S&P 500 · DCA since 2013
$500/month in S&P 500 since 2013
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2013 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2013-01 to 2026-07...
$208,757
grown from $81,500 invested over 13.6 years. +$127,257 (+156.14%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2013-01-01 → 2026-07-24
- Duration
- 13.6 years
- Number of investments
- 163× $500.00 each
Results
- Total invested
- $81,500163 × $500.00
- Final value
- $208,757as of 2026-07-24
- Total return
- +$127,257+156.14%
- Annualized (IRR)
- 12.95%/yrcompounded over 13.6 years
What 2013 actually was: into the breakout year
In 2013 the S&P 500 finally cleared its 2007 high after six years underwater. New all-time highs felt risky to many investors — but DCA investors who started here kept buying regardless. The next decade delivered roughly three more doublings of capital. The 2013 start shows what consistency does over a long uninterrupted runway.
For a S&P 500 DCA buyer who started January 2013 with $500 a month, the schedule pulled in 163 purchases through 2026-07-24. Total invested: $81,500. Final value: $208,757. That works out to an annualized return of 12.95% per year on the irregular cashflow series.
The numbers above use adjusted closing prices (dividends reinvested, splits applied) and apply a T+1 policy: when the 1st of the month landed on a weekend or holiday, the trade executed at the next trading day's close. Bitcoin pages execute on the exact scheduled date because crypto trades 24/7.
Change the numbers
Want to test a different amount, frequency, or end date? The full calculator has the same S&P 500 dataset behind it.