Growth of $10,000 in SPY
State Street® SPDR® S&P 500® ETF Trust · State Street (SPDR)
A $10,000 investment compounding at SPY’s trailing 10-year annualized total return of 15.3% would reach $173,019 in 20 years. The table shows every combination of averaging period and horizon; returns include dividends and are net of the fund's 0.0945% expense ratio. Past performance does not predict future results.
Projection table
| Horizon | At 3-year avg (21.2%) | At 5-year avg (13.3%) | At 10-year avg (15.3%) |
|---|---|---|---|
| 5 years | $26,163 | $18,695 | $20,395 |
| 10 years | $68,452 | $34,950 | $41,595 |
| 15 years | $179,092 | $65,339 | $84,834 |
| 20 years | $468,564 | $122,151 | $173,019 |
| 25 years | $1,225,918 | $228,361 | $352,871 |
| 30 years | $3,207,403 | $426,920 | $719,679 |
Annualized total returns as of Aug 7, 2026, dividends reinvested. A constant rate is an illustration of compounding — real markets are far bumpier.
Want a different amount, horizon or a side-by-side fund comparison? Open SPY in the interactive calculator →
Frequently Asked Questions
What would $10,000 in SPY be worth in 10 years?
Compounding at its trailing 10-year annualized return of 15.3%, $10,000 in SPY would grow to about $41,595 in 10 years and $173,019 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is SPY's average annual return?
As of Aug 7, 2026, SPY's annualized total returns were 21.2% over 3 years, 13.3% over 5 years, 15.3% over 10 years — dividends reinvested, net of its 0.0945% expense ratio.