If you invested $1,000 in BIL — what it would be worth today
A $1,000 investment in SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) in January 2016 would be worth $1,241 as of July 2026 with dividends reinvested — 2.1% a year. Use the dropdowns above to try any amount, ticker, or starting month back to May 2007.
Over the same period, the same $1,000 would be worth $4,545 in the S&P 500 (SPY) and $7,377 in the Nasdaq-100 (QQQ). BIL trailed both the S&P 500 and the Nasdaq-100 over that period.
Growth of $1,000 in BIL since January 2016#
monthlySPDR Bloomberg 1-3 Month T-Bill ETF (BIL). Total return approximated via dividend- and split-adjusted closes (no taxes or fees). Not investment advice.
Growth of $1,000 in BIL by starting month#
$1,000 invested in BIL, by starting year#
| Invested in | Worth today | Same in QQQ | Multiple | Annualized |
|---|---|---|---|---|
| 2016 | $1,241 | $7,377 | 1.2× | 2.1% |
| 2017 | $1,239 | $6,099 | 1.2× | 2.3% |
| 2018 | $1,229 | $4,444 | 1.2× | 2.5% |
| 2019 | $1,208 | $4,439 | 1.2× | 2.6% |
| 2020 | $1,185 | $3,380 | 1.2× | 2.7% |
| 2021 | $1,181 | $2,337 | 1.2× | 3.1% |
| 2022 | $1,182 | $2,015 | 1.2× | 3.9% |
| 2023 | $1,163 | $2,465 | 1.2× | 4.5% |
| 2024 | $1,107 | $1,730 | 1.1× | 4.3% |
| 2025 | $1,053 | $1,373 | 1.1× | 3.7% |
Methodology#
Investments are assumed made at the first trading day's close of the chosen year. "Dividends reinvested" uses split- and dividend-adjusted closes (a standard total-return approximation; taxes and fees excluded). "Price-only" uses split-adjusted closes. BIL data begins May 2007; values as of July 2026 and refresh daily. Past performance does not predict future returns; not investment advice.
See the live BIL chart and fundamentals on the BIL quote page or compare with the same investment in SPY.
FAQ
- How much would $1,000 invested in BIL be worth today?
- A $1,000 investment in SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) in January 2016 would be worth about $1,241 as of July 2026, with dividends reinvested. That works out to about 2.1% a year.
- How far back does the BIL calculation go?
- BIL data begins May 2007. You can pick any starting month from then to the present and see what your investment would be worth today.
- Does this include dividends?
- Yes. The default "dividends reinvested" view uses split- and dividend-adjusted closing prices — a standard total-return approximation that excludes taxes and fees. A price-only view (split-adjusted, no dividends) is also available.