$10,000 invested in the S&P 500 in 2017
$10,000 put into an S&P 500 index fund in January 2017 would be worth about $39,191 by Sep 2026, with dividends reinvested. That is 15.2% a year.
Real monthly S&P 500 data, updated monthly. How we calculate$10,000 put into the S&P 500 in Jan 2017 is now worth
S&P 500 came out on top, ahead of the runner-up, Gold at $37,005. Bonds finished last at $10,864. Just keeping up with prices needed $13,794, 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 | $39,376 | 15.4% | 294% | −19% (Oct 2022) |
| Gold | $37,005 | 14.6% | 270% | −19% (Jul 2026) |
| Bonds | $10,864 | 0.9% | 9% | −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 10 years the money doubled about 2.0 times. Without reinvesting dividends it would be $33,710: dividends account for 14% of the final value.
Inflation matters over this long. $10,000 in 2017 had the buying power of about $13,794 today, so the real gain is $39,191 against $13,794: still 2.8× the buying power, or 11.4% 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 2017: 10-year Treasury bonds: $10,864; gold: $36,233. Compare more assets.
| After | Year | Worth |
|---|---|---|
| 5 years | 2022 | $21,978 |
| Now | Sep 2026 | $39,191 |
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 2017 be worth today?
About $39,191 as of Sep 2026, with dividends reinvested and no fees or taxes. Without dividends, about $33,710.
What was the average yearly return since 2017?
15.2% a year before inflation and 11.4% after inflation.
How much is $10,000 from 2017 in today's money?
About $13,794, based on US consumer prices (CPI). See inflation since 2017.
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