If you invested $100 in Vanguard S&P 500 ETF (VOO) at the beginning of September 2010, you would have about $755.62 by March 2026. This is a return on investment of 655.62%, or 13.94% per year.
This investment beats inflation during this period for an inflation-adjusted return of about 399.85% cumulatively, or 10.94% per year.
If you used dollar-cost averaging (monthly) instead of a lump-sum investment, you'd have $661.41.
The nominal return on investment of $100 is $655.62, or 655.62%. This means by March 2026 you would have $755.62.
However, it is important to take inflation into account when evaluating a long-term investment. You can convert these returns to their real value using an inflation calculation based on the U.S. Bureau of Labor Statistics Consumer Price Index (CPI).
In this case, the CPI in September 2010 was 218.439 and the CPI in March 2026 was 330.213.
Adjusted for inflation, the $755.62 nominal end value would have a real return of roughly $399.85 in 2010 dollars. This means the inflation-adjusted return is 399.85% as opposed to the original 655.62%.
The table below shows the full dataset pertaining to a $100 investment over the 187-month period between 2010 and 2026.
Year
Month
Return (%)
Amount ($)
CPI
2010
9
0.00%
100.00
218.44
2010
10
4.34%
104.34
218.71
2010
11
-0.11%
104.22
218.80
2010
12
6.43%
110.93
219.18
2011
1
2.69%
113.91
220.22
2011
2
3.47%
117.86
221.31
2011
3
-0.44%
117.34
223.47
2011
4
3.40%
121.33
224.91
2011
5
-1.17%
119.91
225.96
2011
6
-2.16%
117.32
225.72
2011
7
-1.58%
115.47
225.92
2011
8
-5.52%
109.10
226.55
2011
9
-7.31%
101.13
226.89
2011
10
11.36%
112.62
226.42
2011
11
-0.30%
112.29
226.23
2011
12
0.52%
112.88
225.67
2012
1
5.10%
118.63
226.67
2012
2
4.28%
123.71
227.66
2012
3
2.84%
127.23
229.39
2012
4
-0.19%
126.98
230.09
2012
5
-6.00%
119.36
229.82
2012
6
3.59%
123.65
229.48
2012
7
1.73%
125.79
229.10
2012
8
2.51%
128.94
230.38
2012
9
2.03%
131.56
231.41
2012
10
-1.45%
129.65
231.32
2012
11
0.57%
130.39
230.22
2012
12
0.29%
130.77
229.60
2013
1
5.93%
138.52
230.28
2013
2
1.33%
140.36
232.17
2013
3
3.12%
144.74
232.77
2013
4
2.58%
148.47
232.53
2013
5
2.32%
151.93
232.95
2013
6
-2.00%
148.88
233.50
2013
7
5.84%
157.57
233.60
2013
8
-3.08%
152.72
233.88
2013
9
2.87%
157.10
234.15
2013
10
4.99%
164.95
233.55
2013
11
3.00%
169.89
233.07
2013
12
2.08%
173.42
233.05
2014
1
-3.00%
168.21
233.92
2014
2
4.57%
175.89
234.78
2014
3
0.42%
176.64
236.29
2014
4
1.18%
178.73
237.07
2014
5
2.29%
182.83
237.90
2014
6
1.63%
185.81
238.34
2014
7
-0.93%
184.08
238.25
2014
8
3.97%
191.39
237.85
2014
9
-1.85%
187.85
238.03
2014
10
2.89%
193.28
237.43
2014
11
2.76%
198.61
236.15
2014
12
-0.86%
196.91
234.81
2015
1
-2.87%
191.26
233.71
2015
2
5.58%
201.93
234.72
2015
3
-2.07%
197.75
236.12
2015
4
1.52%
200.75
236.60
2015
5
1.25%
203.26
237.81
2015
6
-2.40%
198.38
238.64
2015
7
2.65%
203.64
238.65
2015
8
-6.14%
191.15
238.32
2015
9
-2.98%
185.45
237.95
2015
10
9.03%
202.19
237.84
2015
11
0.43%
203.05
237.34
2015
12
-2.32%
198.34
236.53
2016
1
-4.34%
189.72
236.92
2016
2
-0.21%
189.33
237.11
2016
3
6.30%
201.26
238.13
2016
4
0.89%
203.05
239.26
2016
5
1.75%
206.61
240.23
2016
6
-0.18%
206.25
241.02
2016
7
4.20%
214.91
240.63
2016
8
0.12%
215.17
240.85
2016
9
-0.42%
214.27
241.43
2016
10
-1.35%
211.38
241.73
2016
11
3.73%
219.25
241.35
2016
12
1.44%
222.40
241.43
2017
1
2.42%
227.78
242.84
2017
2
3.88%
236.61
243.60
2017
3
-0.33%
235.83
243.80
2017
4
1.51%
239.39
244.52
2017
5
1.40%
242.75
244.73
2017
6
0.18%
243.18
244.96
2017
7
2.52%
249.32
244.79
2017
8
0.29%
250.04
245.52
2017
9
1.52%
253.85
246.82
2017
10
2.85%
261.09
246.66
2017
11
3.06%
269.07
246.67
2017
12
0.80%
271.22
246.52
2018
1
6.09%
287.74
247.87
2018
2
-3.73%
277.02
248.99
2018
3
-2.91%
268.96
249.55
2018
4
0.81%
271.12
250.55
2018
5
2.42%
277.67
251.59
2018
6
0.29%
278.48
251.99
2018
7
4.05%
289.75
252.01
2018
8
3.22%
299.08
252.15
2018
9
0.12%
299.45
252.44
2018
10
-6.42%
280.23
252.89
2018
11
1.89%
285.52
252.04
2018
12
-9.34%
258.86
251.23
2019
1
8.50%
280.87
251.71
2019
2
3.25%
290.00
252.78
2019
3
1.36%
293.93
254.20
2019
4
4.62%
307.50
255.55
2019
5
-6.35%
287.98
256.09
2019
6
6.44%
306.52
256.14
2019
7
1.99%
312.62
256.57
2019
8
-1.64%
307.49
256.56
2019
9
1.49%
312.07
256.76
2019
10
2.67%
320.40
257.35
2019
11
3.63%
332.01
257.21
2019
12
2.48%
340.24
256.97
2020
1
0.45%
341.76
257.97
2020
2
-8.10%
314.08
258.68
2020
3
-12.85%
273.72
258.12
2020
4
13.32%
310.16
256.39
2020
5
4.74%
324.85
256.39
2020
6
1.32%
329.13
257.80
2020
7
6.43%
350.30
259.10
2020
8
6.97%
374.72
259.92
2020
9
-4.16%
359.11
260.28
2020
10
-2.13%
351.46
260.39
2020
11
10.95%
389.93
260.23
2020
12
3.32%
402.89
260.47
2021
1
-0.62%
400.40
261.58
2021
2
2.77%
411.48
263.01
2021
3
4.21%
428.79
264.88
2021
4
5.66%
453.07
267.05
2021
5
0.67%
456.09
269.20
2021
6
1.91%
464.82
271.70
2021
7
2.79%
477.81
273.00
2021
8
2.95%
491.91
273.57
2021
9
-4.98%
467.44
274.31
2021
10
7.39%
501.98
276.59
2021
11
-0.73%
498.30
277.95
2021
12
4.18%
519.12
278.80
2022
1
-4.89%
493.71
281.15
2022
2
-2.98%
479.00
283.72
2022
3
3.44%
495.48
287.50
2022
4
-8.48%
453.48
289.11
2022
5
0.26%
454.65
292.30
2022
6
-8.64%
415.37
296.31
2022
7
9.65%
455.44
296.28
2022
8
-4.13%
436.64
296.17
2022
9
-9.60%
394.74
296.81
2022
10
8.59%
428.66
298.01
2022
11
5.50%
452.25
297.71
2022
12
-6.18%
424.30
296.80
2023
1
6.80%
453.15
299.17
2023
2
-2.50%
441.82
300.84
2023
3
3.28%
456.34
301.84
2023
4
2.01%
465.50
303.36
2023
5
0.48%
467.74
304.13
2023
6
6.09%
496.24
305.11
2023
7
3.70%
514.58
305.69
2023
8
-1.63%
506.21
307.03
2023
9
-5.11%
480.36
307.79
2023
10
-1.80%
471.72
307.67
2023
11
9.17%
514.98
307.05
2023
12
4.15%
536.34
306.75
2024
1
2.03%
547.21
308.42
2024
2
5.21%
575.70
310.33
2024
3
2.95%
592.68
312.33
2024
4
-3.70%
570.75
313.55
2024
5
5.03%
599.44
314.07
2024
6
3.20%
618.62
314.18
2024
7
1.52%
628.02
314.54
2024
8
2.39%
643.05
314.80
2024
9
1.86%
655.00
315.30
2024
10
-0.64%
650.82
315.66
2024
11
5.89%
689.15
315.49
2024
12
-2.65%
670.92
315.61
2025
1
3.02%
691.20
317.67
2025
2
-1.27%
682.46
319.08
2025
3
-5.93%
641.96
319.80
2025
4
-0.47%
638.96
320.80
2025
5
6.28%
679.10
321.47
2025
6
4.85%
712.03
322.56
2025
7
2.60%
730.56
323.05
2025
8
2.08%
745.72
323.98
2025
9
3.25%
769.99
324.80
2025
10
2.69%
790.68
324.80
2025
11
0.22%
792.40
324.12
2025
12
-0.20%
790.79
324.05
2026
1
1.74%
804.52
325.25
2026
2
-0.81%
797.97
326.79
2026
3
-5.31%
755.62
330.21
Click to show 181 more rows
VOO dollar-cost averaging
Dollar-cost averaging is an alternative to investing the full lump-sum of $100 up front. Instead, the capital is invested over a period of time.
Consider a strategy in which $100 was invested in Vanguard S&P 500 ETF (VOO) over a period of no more than 24 months beginning in 2010. This would result in a final amount of $661.41. In this particular case, dollar-cost average returns are less than the returns of a lump-sum investment (which ends with $755.62).
Year
Month
Contribution ($)
Amount ($)
2010
9
4.16
4.16
2010
10
4.16
8.68
2010
11
4.16
12.83
2010
12
4.16
18.08
2011
1
4.16
22.84
2011
2
4.16
27.93
2011
3
4.16
31.95
2011
4
4.16
37.34
2011
5
4.16
41.01
2011
6
4.16
44.20
2011
7
4.16
47.60
2011
8
4.16
48.90
2011
9
4.16
49.18
2011
10
4.16
59.41
2011
11
4.16
63.38
2011
12
4.16
67.89
2012
1
4.16
75.73
2012
2
4.16
83.31
2012
3
4.16
89.95
2012
4
4.16
93.93
2012
5
4.16
92.20
2012
6
4.16
99.82
2012
7
4.16
105.79
2012
8
4.32
112.87
2012
9
-
115.16
2012
10
-
113.48
2012
11
-
114.13
2012
12
-
114.47
2013
1
-
121.25
2013
2
-
122.86
2013
3
-
126.70
2013
4
-
129.96
2013
5
-
132.98
2013
6
-
130.32
2013
7
-
137.92
2013
8
-
133.67
2013
9
-
137.51
2013
10
-
144.38
2013
11
-
148.71
2013
12
-
151.80
2014
1
-
147.24
2014
2
-
153.96
2014
3
-
154.61
2014
4
-
156.44
2014
5
-
160.03
2014
6
-
162.64
2014
7
-
161.13
2014
8
-
167.53
2014
9
-
164.43
2014
10
-
169.18
2014
11
-
173.85
2014
12
-
172.36
2015
1
-
167.41
2015
2
-
176.75
2015
3
-
173.09
2015
4
-
175.72
2015
5
-
177.92
2015
6
-
173.64
2015
7
-
178.25
2015
8
-
167.31
2015
9
-
162.32
2015
10
-
176.98
2015
11
-
177.73
2015
12
-
173.61
2016
1
-
166.07
2016
2
-
165.72
2016
3
-
176.17
2016
4
-
177.73
2016
5
-
180.85
2016
6
-
180.53
2016
7
-
188.12
2016
8
-
188.34
2016
9
-
187.56
2016
10
-
185.02
2016
11
-
191.91
2016
12
-
194.67
2017
1
-
199.38
2017
2
-
207.11
2017
3
-
206.42
2017
4
-
209.54
2017
5
-
212.48
2017
6
-
212.86
2017
7
-
218.23
2017
8
-
218.87
2017
9
-
222.20
2017
10
-
228.53
2017
11
-
235.52
2017
12
-
237.40
2018
1
-
251.87
2018
2
-
242.48
2018
3
-
235.42
2018
4
-
237.32
2018
5
-
243.05
2018
6
-
243.76
2018
7
-
253.62
2018
8
-
261.79
2018
9
-
262.11
2018
10
-
245.29
2018
11
-
249.92
2018
12
-
226.58
2019
1
-
245.85
2019
2
-
253.84
2019
3
-
257.28
2019
4
-
269.16
2019
5
-
252.08
2019
6
-
268.31
2019
7
-
273.64
2019
8
-
269.15
2019
9
-
273.16
2019
10
-
280.45
2019
11
-
290.62
2019
12
-
297.82
2020
1
-
299.15
2020
2
-
274.92
2020
3
-
239.59
2020
4
-
271.49
2020
5
-
284.35
2020
6
-
288.09
2020
7
-
306.62
2020
8
-
327.99
2020
9
-
314.33
2020
10
-
307.64
2020
11
-
341.32
2020
12
-
352.65
2021
1
-
350.48
2021
2
-
360.17
2021
3
-
375.33
2021
4
-
396.58
2021
5
-
399.22
2021
6
-
406.86
2021
7
-
418.23
2021
8
-
430.58
2021
9
-
409.16
2021
10
-
439.39
2021
11
-
436.17
2021
12
-
454.39
2022
1
-
432.15
2022
2
-
419.27
2022
3
-
433.70
2022
4
-
396.94
2022
5
-
397.96
2022
6
-
363.58
2022
7
-
398.66
2022
8
-
382.20
2022
9
-
345.52
2022
10
-
375.21
2022
11
-
395.86
2022
12
-
371.39
2023
1
-
396.65
2023
2
-
386.74
2023
3
-
399.44
2023
4
-
407.46
2023
5
-
409.42
2023
6
-
434.37
2023
7
-
450.42
2023
8
-
443.09
2023
9
-
420.47
2023
10
-
412.90
2023
11
-
450.77
2023
12
-
469.47
2024
1
-
478.98
2024
2
-
503.92
2024
3
-
518.78
2024
4
-
499.59
2024
5
-
524.70
2024
6
-
541.49
2024
7
-
549.71
2024
8
-
562.87
2024
9
-
573.34
2024
10
-
569.67
2024
11
-
603.22
2024
12
-
587.26
2025
1
-
605.02
2025
2
-
597.37
2025
3
-
561.92
2025
4
-
559.29
2025
5
-
594.42
2025
6
-
623.25
2025
7
-
639.47
2025
8
-
652.74
2025
9
-
673.98
2025
10
-
692.09
2025
11
-
693.60
2025
12
-
692.19
2026
1
-
704.21
2026
2
-
698.48
2026
3
-
661.41
Click to show 181 more rows
Data Sources
Monthly adjusted close data is from Yahoo Finance via yfinance. Adjusted close reflects stock splits and dividends reported by the source. Inflation data is from the U.S. Bureau of Labor Statistics CPI.
Ian Webster is an engineer and data expert based in San Mateo, California. He has worked for Google, NASA, and consulted for governments around the world on data pipelines and data analysis. Disappointed by the lack of clear resources on the impacts of inflation on economic indicators, Ian believes this website serves as a valuable public tool. Ian earned his degree in Computer Science from Dartmouth College.