$10,000 invested in the S&P 500 in 2013
$10,000 put into an S&P 500 index fund in January 2013 would be worth about $65,328 by Sep 2026, with dividends reinvested. That is 14.7% a year.
Real monthly S&P 500 data, updated monthly. How we calculate$10,000 put into the S&P 500 in Jan 2013 is now worth
S&P 500 came out on top, 2.5× the runner-up, Gold at $26,382. Bonds finished last at $11,309. Just keeping up with prices needed $14,547, and 2 of 3 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 | $65,636 | 14.9% | 556% | −19% (Oct 2022) |
| Gold | $26,382 | 7.4% | 164% | −36% (Dec 2015) |
| Bonds | $11,309 | 0.9% | 13% | −25% (Oct 2023) |
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 14 years the money doubled about 2.7 times. Without reinvesting dividends it would be $51,806: dividends account for 21% of the final value.
Inflation matters over this long. $10,000 in 2013 had the buying power of about $14,547 today, so the real gain is $65,328 against $14,547: still 4.5× the buying power, or 11.6% a year above inflation.
It was not a smooth ride. The value fell 19% from a high around Oct 2022, during the 2022 inflation sell-off. Holding through it was the price of the final number.
The same $10,000 in other assets from January 2013: 10-year Treasury bonds: $11,309; gold: $25,831. Compare more assets.
| After | Year | Worth |
|---|---|---|
| 5 years | 2018 | $20,835 |
| 10 years | 2023 | $32,236 |
| Now | Sep 2026 | $65,328 |
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 2013 be worth today?
About $65,328 as of Sep 2026, with dividends reinvested and no fees or taxes. Without dividends, about $51,806.
What was the average yearly return since 2013?
14.7% a year before inflation and 11.6% after inflation.
How much is $10,000 from 2013 in today's money?
About $14,547, based on US consumer prices (CPI). See inflation since 2013.
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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