XP return calculator
Your investment#
Key dates
Start at a well-known dateRecentMarket topsMarket bottomsEventsKey dates
End at a well-known dateMarket topsMarket bottomsEventsOr drag the slider to set start and end dates
2019 to today, log scaleResult#
$1,000 invested in XP on December 11, 2019 was worth $500 on November 4, 2026, with dividends reinvested.
That’s −9.5% a year compounded (CAGR) over 6 years, 11 months: 0.50 times your money.
Over the same dates the same $1,000 would be worth $2,695 in the S&P 500 and $3,523 in the Nasdaq-100: XP trailed both the S&P 500 and the Nasdaq-100.
How this period ranks#
These dates cover the whole record, so there is no other period this long to compare.
Growth of $1,000 in XP, December 11, 2019 to November 4, 2026#
How far XP was below its previous high. The biggest fall: −79.2% from Sep 2, 2021 to Mar 23, 2023, not back to the high by the end date.
Your one buy. $1,000 on December 11, 2019, worth $500 on November 4, 2026. Pick Monthly or Yearly to see a plan's buys.
What $1,000 would be worth on November 4, 2026, by start date#
Each point is the same amount invested that day and held to November 4, 2026, dividends reinvested. Above the line it made money.
$1,000 invested in XP, by year#
Started on each year's first close and held to Nov 4, 2026, dividends reinvested.
| Started | Worth Nov 4, 2026 | Multiple | A year (CAGR) |
|---|---|---|---|
| 2019 | $500 | 0.50× | −9.5% |
| 2020 | $447 | 0.45× | −11.1% |
| 2021 | $440 | 0.44× | −13.1% |
| 2022 | $595 | 0.59× | −10.2% |
| 2023 | $1,248 | 1.2× | 5.9% |
| 2024 | $638 | 0.64× | −14.7% |
| 2025 | $1,314 | 1.3× | 16.0% |
| 2026 | $950 | 0.95× | — |
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. XP data begins December 11, 2019; values as of November 4, 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 XP chart and fundamentals on the XP quote page or the S&P 500 return calculator.
FAQ#
- How much would $1,000 invested in XP be worth today?
- $1,000 invested in XP on December 11, 2019 would be worth $500 on November 4, 2026, with dividends reinvested — −9.5% a year compounded (CAGR).
- How far back does the XP calculator go?
- XP data begins December 11, 2019, with a close every session. Pick any start and end date in that span — 6 years, 11 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.