$10,000 invested in the S&P 500 in 2001
$10,000 put into an S&P 500 index fund in January 2001 would be worth about $90,961 by Sep 2026, with dividends reinvested. That is 9.0% a year.
Real monthly S&P 500 data, updated monthly. How we calculate$10,000 put into gold in Jan 2001 is now worth
Gold came out on top, ahead of the runner-up, S&P 500 at $91,390. Bonds finished last at $23,258. Just keeping up with prices needed $19,131, 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 |
|---|---|---|---|---|
| Gold | $166,453 | 11.6% | 1,565% | −39% (Dec 2015) |
| S&P 500 | $91,390 | 9.0% | 814% | −49% (Mar 2009) |
| Bonds | $23,258 | 3.4% | 133% | −25% (Oct 2023) |
The chart uses a log scale: equal steps up mean equal percentage gains. What each line measures: Gold, gold monthly average price in US dollars per ounce; S&P 500, S&P 500 monthly average level with dividends reinvested (an index fund, before its small fee); 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 26 years the money doubled about 3.2 times. Without reinvesting dividends it would be $57,422: dividends account for 37% of the final value.
Inflation matters over this long. $10,000 in 2001 had the buying power of about $19,131 today, so the real gain is $90,961 against $19,131: still 4.8× the buying power, or 6.3% 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 $10,000 in other assets from January 2001: 10-year Treasury bonds: $23,258; gold: $162,981. Compare more assets.
| After | Year | Worth |
|---|---|---|
| 5 years | 2006 | $10,381 |
| 10 years | 2011 | $11,585 |
| 20 years | 2021 | $41,738 |
| Now | Sep 2026 | $90,961 |
Value over time, with dividends reinvested. No fees or taxes.
Try other amounts and years
Common questions
How much would $10,000 invested in the S&P 500 in 2001 be worth today?
About $90,961 as of Sep 2026, with dividends reinvested and no fees or taxes. Without dividends, about $57,422.
What was the average yearly return since 2001?
9.0% a year before inflation and 6.3% after inflation.
How much is $10,000 from 2001 in today's money?
About $19,131, based on US consumer prices (CPI). See inflation since 2001.
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.
Get one chart like this every week
- 1chart from real data
- 1idea in plain English
- 1thing to do this week