US equity · SPDR (State Street)

SPYL Investment Calculator

A very low-cost Irish-domiciled S&P 500 fund. It holds the same index as CSPX and VUAA; its main appeal is a lower annual fee.

$
$
yrs
%
SPYL default: 8% a yearA round planning assumption for the S&P 500, not a guaranteed or historical figure. Change it above.
Subtract fund feesSPYL TER 0.03% a year
Show in today's moneyAdjust for inflation
Currency

Estimated result

SPYL · 7.97% net
$101,926

Estimated SPYL value after 25 years

You put in
$31,000
Investment growth
$70,926

70% of your final balance would come from growth, not from money you paid in.

Fees of 0.03% a year would cost about $517 over 25 years.

Return scenarios

Lower · 5%
$62,740
Base · 8%
$101,926
Higher · 11%
$172,127

Projected growth

Hover or tap the chart for any year
SPYL 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.

SPYL at a glance

Full nameSPDR S&P 500 UCITS ETF (Acc)
IndexS&P 500
Annual fee (TER)0.03%
DividendsAccumulating
DomicileIreland
Main listingLondon Stock Exchange (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 SPYL

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

At an assumed 8% a year minus the 0.03% fee, $500 a month for 20 years would grow to an estimated $293,415, from $120,000 paid in. Real returns will differ, so try the lower and higher scenarios too.

Is SPYL accumulating or distributing?

SPYL is accumulating: dividends are reinvested inside the fund automatically, so you don't receive cash payouts.

What is the SPYL expense ratio?

SPYL has a total expense ratio (TER) of about 0.03% 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 SPYL domiciled?

SPYL is domiciled in Ireland (a UCITS fund). Investors outside the US often prefer Irish-domiciled funds for their lower US dividend withholding tax and simpler estate rules.