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S&P 500 return calculator

If you invested
$1,000
in the Nasdaq-100
once inDollar-cost averaging invests the same amount every period, so the chart compares value against what you put in.
January 2016
Priced at a real closing price — the month's last trading day, or that exact day's close when you pick one.
and held until
today
Monthly data: valued at the closing price on the last trading day of that month.

A $1,000 investment in the Nasdaq-100 in January 2016 would be worth $7,777 as of October 2026 with dividends reinvested — 21.2% a year compounded (CAGR). Use the controls above to try any amount or starting month back to March 1999.

At a flat 5% a year compounded — what a compound interest calculator or a high-yield savings account assumes — the same $1,000 would be $1,683; the index beat it by $6,093.

Worth today
$7,777
Multiple
7.8×
Annualized
21.2%/yr
Max drawdown
-32.6%
12/31/2021 – 12/30/2022
Same $ in SPY
$4,724

Growth of $1,000 in the Nasdaq-100 since January 2016— monthly

the Nasdaq-100 (the Nasdaq-100). Total return approximated via dividend- and split-adjusted closes (no taxes or fees). Not investment advice.

What $1,000 in the Nasdaq-100 would be worth today, by starting month— each bar = one starting month, held to today

$1,000
20162017201820192020202120222023202420252026

$1,000 invested in the Nasdaq-100, by year— dividends reinvested, held to today

Invested inWorth todayMultipleAnnualized
2016$7,7777.8×21.2%
2017$6,4296.4×21.2%
2018$4,6854.7×19.5%
2019$4,6804.7×22.3%
2020$3,5633.6×21.0%
2021$2,4642.5×17.2%
2022$2,1242.1×17.5%
2023$2,5992.6×29.7%
2024$1,8241.8×25.2%
2025$1,4471.4×24.8%

Methodology

The calculator grows the investment at QQQ's split- and dividend-adjusted closes, the fund that tracks the Nasdaq-100 — its record is the index's investable history, which is why the series begins March 1999 and runs through October 2026. A “buy” is priced at a real closing price: the last trading day of the chosen month, or that exact day's close when a specific date is picked. Price-only values use the unadjusted closes; inflation-adjusted values divide total return by CPI. Monthly contributions are fixed nominal dollar amounts; taxes, fund fees and transaction costs are excluded. See the annual Nasdaq-100 returns, or the QQQ fund page. Past performance does not predict future results; not investment advice.

ChartRow is not affiliated with, sponsored by, or endorsed by S&P Dow Jones Indices LLC, S&P Global, Nasdaq, Inc., Robert Shiller, RSBB-I, LLC, or Yale University. "S&P 500®" and "Dow Jones®" are registered trademarks of S&P Dow Jones Indices LLC; "Nasdaq-100®" is a registered trademark of Nasdaq, Inc.; "CAPE®" is a registered trademark of RSBB-I, LLC. They are used here only to identify the indexes and series discussed. All index-related figures on this page are independently derived from public sources — SEC filings, the public Shiller S&P 500 monthly series, and our own computations — not from any index provider's data feed.

FAQ#

What would $1,000 invested in the Nasdaq-100 be worth today?
$1,000 invested in the Nasdaq-100 in January 2016 would be worth about $7,777 as of October 2026, with dividends reinvested — an annualized return of 21.2%.
Does the Nasdaq-100 return calculator include dividends?
Yes. Dividends reinvested is the default total-return basis. You can turn it off to see price appreciation alone. Taxes, fund fees and trading costs are excluded.
Can the calculator adjust Nasdaq-100 returns for inflation?
Yes. The After inflation option deflates the dividends-reinvested total-return series by CPI, expressing the ending value in the starting investment's purchasing-power dollars.
How far back does the Nasdaq-100 calculator go?
The monthly series begins March 1999, the first full month of QQQ's record — the fund that tracks the Nasdaq-100 — and runs to October 2026.
How does this compare with a compound interest calculator?
A compound interest calculator grows a deposit at one fixed rate. This calculator grows it at what the Nasdaq-100 actually returned month by month, dividends included, and states the flat-rate equivalent beside the result: the same $1,000 at 5% a year compounded is shown for the same dates so the two can be read against each other. The Nasdaq-100's own figure since 1999 is on the result card, and it arrives unevenly — the January 2016 start above shows the path, not just the endpoint.

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