VTI Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in VTI ten years ago, at the end of Oct 2016, was worth $40,005 at the end of Oct 2026 with every distribution reinvested: 14.9% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $71,593 reinvested (11.0% a year), or $57,413 taking the distributions as cash, $6,211 of it paid out along the way.
VTI became
$71,593
S&P 500: $72,756
Return a year
11.0%
S&P 500: 11.1%
Payouts reinvested
$7,751
bought more shares
Worst drop
-48.2%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | VTI total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +11.8% | $578 | +11.7% |
| 2025 | +17.1% | $711 | +17.7% |
| 2024 | +23.8% | $689 | +24.9% |
| 2023 | +26.0% | $636 | +26.2% |
| 2022 | −19.5% | $573 | −18.2% |
| 2021 | +25.7% | $529 | +28.7% |
| 2020 | +21.1% | $506 | +18.3% |
| 2019 | +30.7% | $507 | +31.2% |
| 2018 | −5.2% | $445 | −4.6% |
| 2017 | +21.2% | $393 | +21.7% |
| 2016 | +12.8% | $369 | +12.0% |
| 2015 | +0.4% | $332 | +1.2% |
| 2014 | +12.5% | $293 | +13.5% |
| 2013 | +33.4% | $260 | +32.3% |
| 2012 | +16.4% | $237 | +16.0% |
| 2011 | +1.0% | $188 | +1.9% |
| 2010 | +17.4% | $170 | +15.1% |
| 2009 | +28.9% | $163 | +26.4% |
| 2008 | −37.0% | $173 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: VTI total return
Data as of · Source: SmarterDividends data
- $10,000 invested in VTI at the end of Dec 2007, with distributions reinvested, was worth $71,593 at the end of Oct 2026: 11.0% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, VTI turned $10,000 into $40,005 with distributions reinvested, 14.9% a year.
- Over the 5 years to Oct 2026, VTI returned 10.9% a year with distributions reinvested (S&P 500: 12.0%).
- Taking VTI's distributions as cash instead of reinvesting them, the same $10,000 ended at $57,413, including $6,211 of cash received; reinvesting added $14,180.
- VTI's best calendar year in that time was 2013 (33.4%) and its worst 2008 (-37.0%), with distributions reinvested.
Cite this page
SmarterDividends, "VTI Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/VTI/total-return
VTI total return questions
If I invested $10,000 in VTI 10 years ago, how much would I have?
About $40,005 at the end of Oct 2026, with every distribution reinvested: 14.9% a year. Taking them as cash, you'd have shares worth $34,123 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is VTI's total return since Dec 2007?
616% in total, or 11.0% a year, through Oct 2026 with distributions reinvested. The share price alone rose 412%.
How much of VTI's return came from distributions?
About 18% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $14,180 better off on a $10,000 start.
What was VTI's worst year?
2008, at -37.0% with distributions reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -48.2%.
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.