Side by side

VTI vs VOO

VTI holds nearly the entire US market, including small and mid caps; VOO holds the 500 largest. Because large companies dominate both, long-term results have been very close.

$
$
yrs
Same return for bothIsolates the effect of fees
%
A fair, like-for-like testBoth funds get the same return, so any difference comes from fees alone.
Subtract fund fees
Show in today's moneyAdjust for inflation
Currency

After 25 years

VTI vs VOO
VTI
$546,058
8% − 0.03% fee · fees cost $2,857
VOO
$546,058
8% − 0.03% fee · fees cost $2,857

No difference on these inputs — same return and same fee.

You put in $160,000 either way.

How they differ

VTIVOO
IndexCRSP US Total MarketS&P 500
Fee (TER)0.03%0.03%
DividendsDistributingDistributing
DomicileUnited StatesUnited States
ListingNYSE Arca (USD)NYSE Arca (USD)
ProviderVanguardVanguard

Highlighted rows are where the two funds differ.

Growth side by side

Hover or tap the chart for any year
VTI balanceYour contributionsVOO
$0$150k$300k$450k$600kNowYr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20Yr 22Yr 25

Assumes monthly compounding at constant rates with contributions at the end of each month. Before personal taxes. Educational estimate only — real returns vary year to year.

Key differences

  • VTI tracks the CRSP US Total Market; VOO tracks the S&P 500. That is the biggest difference in what you actually own.
  • Both charge the same fee of 0.03% a year.

About each fund

VTI — Vanguard Total Stock Market ETF

Holds nearly every listed US company — large, mid and small — in one fund. Broader than the S&P 500, though performance tends to be very similar.

VOO — Vanguard S&P 500 ETF

One of the most popular S&P 500 funds for US investors, with a very low fee. Non-US investors should check dividend withholding tax and estate-tax rules before buying US-domiciled funds.

Fund details checked November 2026. Always confirm current figures on each provider's factsheet.

Questions about VTI vs VOO

Is VTI or VOO better?

It depends on what you want to own. VTI gives you the CRSP US Total Market; VOO gives you the S&P 500. Neither is guaranteed to do better — use the calculator above with different return assumptions to see the range.

Which is cheaper, VTI or VOO?

They charge the same fee: 0.03% a year.

Can I hold both VTI and VOO?

Yes. Some investors combine them to set their own mix, but check the overlap — many large companies may appear in both.

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