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RMD return calculator

Your investment#

How much
$
All at once, on the start date
Pick start & end dates10 years
Key datesStart at a well-known dateRecentMarket topsMarket bottomsEvents
Bought at that day's close
Key datesEnd at a well-known dateMarket topsMarket bottomsEvents
Latest close, Oct 27, 2026

Or drag the slider to set start and end dates

1995 to today, log scale
2008 crisisCovid
20002010Oct 2016Today
Options

Result#

$1,000Oct 27, 2016$4,683Oct 27, 20264.7× 

$1,000 invested in RMD on October 27, 2016 was worth $4,683 on October 27, 2026, with dividends reinvested.

That’s 16.7% a year compounded (CAGR) over 10 years: 4.7 times your money.

Over the same dates the same $1,000 would be worth $4,228 in the S&P 500 and $6,559 in the Nasdaq-100: RMD beat the S&P 500 but trailed the Nasdaq-100.

Price only$4,192if dividends were spent
Biggest fall−54.0%Sep 8, 2021 to Oct 27, 2023
At a flat 5% a year$1,629a savings account's rate
Gain$3,683on $1,000 put in

How this period ranks#

Better than 38% of all 257 periods of 10 years since 1995.

Your dates
−50%0%160%
Worst: 5.9% a year, Nov 2001 to Nov 2011Best: 40.6% a year, Feb 1996 to Feb 2006
One scale for every length, so longer periods bunch up. Point at a bar.

Growth of $1,000 in RMD, October 27, 2016 to October 27, 2026#

Your $1,000$Your buySame plan in the S&P 500The highA low
Highest value$5,427 · Aug 2025$
$0$1,000$2,000$3,000$4,000$4,683
20182020202220242026

How far RMD was below its previous high. The biggest fall: −54.0% from Sep 8, 2021 to Oct 27, 2023, back to the high by Aug 4, 2025.

−54.0% from its high
high−54%

Your one buy. $1,000 on October 27, 2016, worth $4,683 on October 27, 2026. Pick Monthly or Yearly to see a plan's buys.

4.7×paid

What $1,000 would be worth on October 27, 2026, by start date#

Each point is the same amount invested that day and held to October 27, 2026, dividends reinvested. Above the line it made money.

Your start
$1,000$3,000$10k$30k$100k$300k
200020052010201520202025

$1,000 invested in RMD, by year#

Started on each year's first close and held to Oct 27, 2026, dividends reinvested.

StartedWorth Oct 27, 2026MultipleA year (CAGR)
2017$4,4974.5×16.6%
2018$3,1973.2×14.1%
2019$2,4122.4×11.9%
2020$1,7051.7×8.1%
2021$1,2441.2×3.8%
2022$1,0101.0×0.2%
2023$1,2431.2×5.9%
2024$1,4991.5×15.5%
2025$1,1171.1×6.3%
2026$1,0331.0×—

Methodology#

A buy is made at the start date's close, or the next session's when the market was closed that day, and valued at the end date's close; a monthly or yearly plan buys on the same day of each month or year. "Dividends reinvested" uses split- and dividend-adjusted closes (a standard total-return approximation; taxes and fees excluded). "Price-only" uses split-adjusted closes. RMD data begins June 2, 1995; values as of October 27, 2026 and refresh daily. The ranking compares month-end to month-end periods. Past performance does not predict future returns; not investment advice.

See the live RMD chart and fundamentals on the RMD quote page or the S&P 500 return calculator.

FAQ#

How much would $1,000 invested in RMD be worth today?
$1,000 invested in RMD on October 27, 2016 would be worth $4,683 on October 27, 2026, with dividends reinvested — 16.7% a year compounded (CAGR).
How far back does the RMD calculator go?
RMD data begins June 2, 1995, with a close every session. Pick any start and end date in that span — 31 years, 5 months of history.
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.