TIP Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in TIP ten years ago, at the end of Oct 2016, was worth $12,506 at the end of Oct 2026 with every distribution reinvested: 2.3% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $17,367 reinvested (3.0% a year), or $15,874 taking the distributions as cash, $5,790 of it paid out along the way.
TIP became
$17,367
S&P 500: $72,756
Return a year
3.0%
S&P 500: 11.1%
Payouts reinvested
$7,685
bought more shares
Worst drop
-13.9%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | TIP total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +0.4% | $585 | +11.7% |
| 2025 | +6.8% | $589 | +17.7% |
| 2024 | +1.7% | $406 | +24.9% |
| 2023 | +3.8% | $429 | +26.2% |
| 2022 | −12.3% | $1,005 | −18.2% |
| 2021 | +5.7% | $737 | +28.7% |
| 2020 | +10.8% | $196 | +18.3% |
| 2019 | +8.3% | $262 | +31.2% |
| 2018 | −1.4% | $368 | −4.6% |
| 2017 | +2.9% | $287 | +21.7% |
| 2016 | +4.7% | $202 | +12.0% |
| 2015 | −1.8% | $47 | +1.2% |
| 2014 | +3.6% | $220 | +13.5% |
| 2013 | −8.5% | $143 | +32.3% |
| 2012 | +6.4% | $308 | +16.0% |
| 2011 | +13.3% | $532 | +1.9% |
| 2010 | +6.1% | $288 | +15.1% |
| 2009 | +8.9% | $419 | +26.4% |
| 2008 | +0.0% | $661 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: TIP total return
Data as of · Source: SmarterDividends data
- $10,000 invested in TIP at the end of Dec 2007, with distributions reinvested, was worth $17,367 at the end of Oct 2026: 3.0% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, TIP turned $10,000 into $12,506 with distributions reinvested, 2.3% a year.
- Over the 5 years to Oct 2026, TIP returned 0.1% a year with distributions reinvested (S&P 500: 12.0%).
- Taking TIP's distributions as cash instead of reinvesting them, the same $10,000 ended at $15,874, including $5,790 of cash received; reinvesting added $1,493.
- TIP's best calendar year in that time was 2011 (13.3%) and its worst 2022 (-12.3%), with distributions reinvested.
Cite this page
SmarterDividends, "TIP Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/TIP/total-return
TIP total return questions
If I invested $10,000 in TIP 10 years ago, how much would I have?
About $12,506 at the end of Oct 2026, with every distribution reinvested: 2.3% a year. Taking them as cash, you'd have shares worth $9,209 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is TIP's total return since Dec 2007?
74% in total, or 3.0% a year, through Oct 2026 with distributions reinvested. The share price alone rose 1%.
How much of TIP's return came from distributions?
About 99% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $1,493 better off on a $10,000 start.
What was TIP's worst year?
2022, at -12.3% with distributions reinvested (S&P 500: -18.2%). Its deepest fall from a peak, on month-end values, was -13.9%.
How is total return calculated here?
From month-end prices: the adjusted price counts every distribution reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.