US equity · Vanguard

VTI Investment Calculator

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.

$
$
yrs
%
VTI default: 8% a yearA round planning assumption for the CRSP US Total Market, not a guaranteed or historical figure. Change it above.
Subtract fund feesVTI TER 0.03% a year
Show in today's moneyAdjust for inflation
Currency

Estimated result

VTI · 7.97% net
$101,926

Estimated VTI 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
VTI 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.

VTI at a glance

Full nameVanguard Total Stock Market ETF
IndexCRSP US Total Market
Annual fee (TER)0.03%
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 Vanguard factsheet.

Questions about VTI

How much would $500 a month in VTI 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 VTI accumulating or distributing?

VTI 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 VTI expense ratio?

VTI has a total expense ratio (TER) of about 0.03% a year (data checked November 2026; confirm with Vanguard before investing). The calculator subtracts this from the return when fees are switched on.

Where is VTI domiciled?

VTI 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.