XLP Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in XLP ten years ago, at the end of Oct 2016, was worth $22,145 at the end of Oct 2026 with every distribution reinvested: 8.3% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $51,332 reinvested (9.1% a year), or $40,406 taking the distributions as cash, $9,357 of it paid out along the way.
XLP became
$51,332
S&P 500: $72,756
Return a year
9.1%
S&P 500: 11.1%
Payouts reinvested
$12,718
bought more shares
Worst drop
-27.6%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | XLP total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +17.3% | $889 | +11.7% |
| 2025 | +1.5% | $1,203 | +17.7% |
| 2024 | +12.2% | $1,178 | +24.9% |
| 2023 | −0.8% | $999 | +26.2% |
| 2022 | −0.8% | $954 | −18.2% |
| 2021 | +17.2% | $896 | +28.7% |
| 2020 | +10.1% | $839 | +18.3% |
| 2019 | +27.4% | $778 | +31.2% |
| 2018 | −8.1% | $708 | −4.6% |
| 2017 | +13.0% | $666 | +21.7% |
| 2016 | +5.0% | $581 | +12.0% |
| 2015 | +6.8% | $548 | +1.2% |
| 2014 | +15.7% | $494 | +13.5% |
| 2013 | +26.3% | $422 | +32.3% |
| 2012 | +10.7% | $422 | +16.0% |
| 2011 | +14.0% | $345 | +1.9% |
| 2010 | +13.8% | $290 | +15.1% |
| 2009 | +14.3% | $269 | +26.4% |
| 2008 | −15.0% | $235 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: XLP total return
Data as of · Source: SmarterDividends data
- $10,000 invested in XLP at the end of Dec 2007, with distributions reinvested, was worth $51,332 at the end of Oct 2026: 9.1% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, XLP turned $10,000 into $22,145 with distributions reinvested, 8.3% a year.
- Over the 5 years to Oct 2026, XLP returned 7.5% a year with distributions reinvested (S&P 500: 12.0%).
- Taking XLP's distributions as cash instead of reinvesting them, the same $10,000 ended at $40,406, including $9,357 of cash received; reinvesting added $10,926.
- XLP's best calendar year in that time was 2019 (27.4%) and its worst 2008 (-15.0%), with distributions reinvested.
Cite this page
SmarterDividends, "XLP Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/XLP/total-return
XLP total return questions
If I invested $10,000 in XLP 10 years ago, how much would I have?
About $22,145 at the end of Oct 2026, with every distribution reinvested: 8.3% a year. Taking them as cash, you'd have shares worth $16,936 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is XLP's total return since Dec 2007?
413% in total, or 9.1% a year, through Oct 2026 with distributions reinvested. The share price alone rose 210%.
How much of XLP's return came from distributions?
About 32% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $10,926 better off on a $10,000 start.
What was XLP's worst year?
2008, at -15.0% with distributions reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -27.6%.
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.