$1,000 invested in the S&P 500 in 1995
$1,000 put into an S&P 500 index fund in January 1995 would be worth about $28,899 by Sep 2026, with dividends reinvested. That is 11.2% a year.
Real monthly S&P 500 data, updated monthly. How we calculate$1,000 put into the S&P 500 in Jan 1995 is now worth
S&P 500 came out on top, 2.5× the runner-up, Gold at $11,639. Bonds finished last at $4,018. Just keeping up with prices needed $2,229, and all of them did better. It ends in Aug 2026, the latest month with data for Bonds.
Full results by asset
| Asset | Worth now | Per year | Total return | Worst drop |
|---|---|---|---|---|
| S&P 500 | $29,035 | 11.3% | 2,803% | −49% (Mar 2009) |
| Gold | $11,639 | 8.1% | 1,064% | −39% (Dec 2015) |
| Bonds | $4,018 | 4.5% | 302% | −25% (Oct 2023) |
The chart uses a log scale: equal steps up mean equal percentage gains. What each line measures: S&P 500, S&P 500 monthly average level with dividends reinvested (an index fund, before its small fee); Gold, gold monthly average price in US dollars per ounce; Bonds, total return of 10-year US Treasury bonds (interest plus price changes), modelled from the monthly 10-year yield. Inflation uses the US Consumer Price Index. Monthly averages, data through Aug 2026; no fees or taxes. Past returns do not predict future returns.
The result
Over 32 years the money doubled about 4.9 times. Without reinvesting dividends it would be $16,484: dividends account for 43% of the final value.
Inflation matters over this long. $1,000 in 1995 had the buying power of about $2,229 today, so the real gain is $28,899 against $2,229: still 13.0× the buying power, or 8.4% a year above inflation.
It was not a smooth ride. The value fell 49% from a high around Mar 2009, during the 2008 financial crisis. Holding through it was the price of the final number.
The same $1,000 in other assets from January 1995: 10-year Treasury bonds: $4,018; gold: $11,396. Compare more assets.
| After | Year | Worth |
|---|---|---|
| 5 years | 2000 | $3,352 |
| 10 years | 2005 | $2,994 |
| 20 years | 2015 | $6,305 |
| 30 years | 2025 | $22,145 |
| Now | Sep 2026 | $28,899 |
Value over time, with dividends reinvested. No fees or taxes.
Try other amounts and years
Common questions
How much would $1,000 invested in the S&P 500 in 1995 be worth today?
About $28,899 as of Sep 2026, with dividends reinvested and no fees or taxes. Without dividends, about $16,484.
What was the average yearly return since 1995?
11.2% a year before inflation and 8.4% after inflation.
How much is $1,000 from 1995 in today's money?
About $2,229, based on US consumer prices (CPI). See inflation since 1995.
Is a lump sum better than investing monthly?
Historically a lump sum came out ahead about two-thirds of the time, because markets rise more often than they fall. Spreading it out reduces regret if a crash comes right after. Test both with the lump sum vs DCA calculator.
Based on the S&P 500 monthly average level with dividends reinvested (an index fund before its small fee). Educational estimates, not investment advice. Past returns do not predict future returns.
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