$10,000 invested in the S&P 500 in 2022
$10,000 put into an S&P 500 index fund in January 2022 would be worth about $17,832 by Sep 2026, with dividends reinvested. That is 13.2% a year.
Real monthly S&P 500 data, updated monthly. How we calculate$10,000 put into gold in Jan 2022 is now worth
Gold came out on top, ahead of the runner-up, S&P 500 at $17,916. Bonds finished last at $9,316. Just keeping up with prices needed $11,915, 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 |
|---|---|---|---|---|
| Gold | $24,290 | 21.4% | 143% | −19% (Jul 2026) |
| S&P 500 | $17,916 | 13.6% | 79% | −18% (Oct 2022) |
| Bonds | $9,316 | -1.5% | -7% | −18% (Oct 2023) |
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 5 years the money doubled about 0.8 times. Without reinvesting dividends it would be $16,768: dividends account for 6% of the final value.
Inflation matters over this long. $10,000 in 2022 had the buying power of about $11,915 today, so the real gain is $17,832 against $11,915: still 1.5× the buying power, or 9.0% a year above inflation.
It was not a smooth ride. The value fell 18% 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 2022: 10-year Treasury bonds: $9,316; gold: $23,783. Compare more assets.
| After | Year | Worth |
|---|---|---|
| Now | Sep 2026 | $17,832 |
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 2022 be worth today?
About $17,832 as of Sep 2026, with dividends reinvested and no fees or taxes. Without dividends, about $16,768.
What was the average yearly return since 2022?
13.2% a year before inflation and 9.0% after inflation.
How much is $10,000 from 2022 in today's money?
About $11,915, based on US consumer prices (CPI). See inflation since 2022.
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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