S&P 500 · DCA since 2014
$500/month in S&P 500 since 2014
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2014 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2014-01 to 2026-07...
$181,285
grown from $75,500 invested over 12.6 years. +$105,785 (+140.11%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2014-01-01 → 2026-07-24
- Duration
- 12.6 years
- Number of investments
- 151× $500.00 each
Results
- Total invested
- $75,500151 × $500.00
- Final value
- $181,285as of 2026-07-24
- Total return
- +$105,785+140.11%
- Annualized (IRR)
- 13.12%/yrcompounded over 12.6 years
What 2014 actually was: into a mature bull market
Starting DCA in 2014 meant buying in late-cycle territory by every traditional measure. Valuations looked stretched. Pundits called for crashes that did not come. The market kept going, with a few wobbles — 2015-2016 emerging markets fears, 2018 Q4 selloff, the 2020 COVID crash. Every dip was a discount for steady DCA buyers.
For a S&P 500 DCA buyer who started January 2014 with $500 a month, the schedule pulled in 151 purchases through 2026-07-24. Total invested: $75,500. Final value: $181,285. That works out to an annualized return of 13.12% 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.