US equity · SPDR (State Street)

SPY Investment Calculator

The original and most heavily traded S&P 500 ETF. Its fee is higher than VOO or IVV, so long-term holders often prefer those.

$
$
yrs
%
SPY default: 8% a yearA round planning assumption for the S&P 500, not a guaranteed or historical figure. Change it above.
Subtract fund feesSPY TER 0.09% a year
Show in today's moneyAdjust for inflation
Currency

Estimated result

SPY · 7.91% net
$100,825

Estimated SPY value after 25 years

You put in
$31,000
Investment growth
$69,825

69% of your final balance would come from growth, not from money you paid in.

Fees of 0.09% a year would cost about $1,618 over 25 years.

Return scenarios

Lower · 5%
$62,118
Base · 8%
$100,825
Higher · 11%
$170,136

Projected growth

Hover or tap the chart for any year
SPY balanceYour contributions
$0$30k$60k$90k$120kNowYr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20Yr 22Yr 25

Assumes monthly compounding at a constant rate, with contributions at the end of each month. Educational estimate only: markets rise and fall, and taxes, fees, currency movements and trading costs change real results.

SPY at a glance

Full nameSPDR S&P 500 ETF Trust
IndexS&P 500
Annual fee (TER)0.0945%
DividendsDistributing
DomicileUnited States
Main listingNYSE Arca (USD)
Default return used here8% a year (planning assumption)

Fund details checked November 2026. Always confirm current figures on the SPDR (State Street) factsheet.

Questions about SPY

How much would $500 a month in SPY be worth after 20 years?

At an assumed 8% a year minus the 0.09% fee, $500 a month for 20 years would grow to an estimated $291,075, from $120,000 paid in. Real returns will differ, so try the lower and higher scenarios too.

Is SPY accumulating or distributing?

SPY is distributing: dividends are paid out to you. This calculator assumes you reinvest them; if you spend them instead, your balance would grow more slowly.

What is the SPY expense ratio?

SPY has a total expense ratio (TER) of about 0.0945% a year (data checked November 2026; confirm with SPDR (State Street) before investing). The calculator subtracts this from the return when fees are switched on.

Where is SPY domiciled?

SPY is domiciled in the United States. Non-US investors may face higher dividend withholding tax and possible US estate-tax exposure, so many look at Irish-domiciled alternatives.