US equity · Vanguard

VUSA Investment Calculator

The distributing version of Vanguard's S&P 500 UCITS fund: dividends are paid out to you instead of reinvested. Suits investors who want regular income, or who reinvest manually.

$
$
yrs
%
VUSA default: 8% a yearA round planning assumption for the S&P 500, not a guaranteed or historical figure. Change it above.
Subtract fund feesVUSA TER 0.07% a year
Show in today's moneyAdjust for inflation
Currency

Estimated result

VUSA · 7.93% net
$101,242

Estimated VUSA value after 25 years

You put in
$31,000
Investment growth
$70,242

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

Fees of 0.07% a year would cost about $1,201 over 25 years.

Return scenarios

Lower · 5%
$62,354
Base · 8%
$101,242
Higher · 11%
$170,889

Projected growth

Hover or tap the chart for any year
VUSA 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.

VUSA at a glance

Full nameVanguard S&P 500 UCITS ETF Distributing
IndexS&P 500
Annual fee (TER)0.07%
DividendsDistributing
DomicileIreland
Main listingLondon Stock Exchange (GBP)
Default return used here8% a year (planning assumption)

Fund details checked November 2026. Always confirm current figures on the Vanguard factsheet.

Questions about VUSA

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

At an assumed 8% a year minus the 0.07% fee, $500 a month for 20 years would grow to an estimated $291,961, from $120,000 paid in. Real returns will differ, so try the lower and higher scenarios too.

Is VUSA accumulating or distributing?

VUSA 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 VUSA expense ratio?

VUSA has a total expense ratio (TER) of about 0.07% 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 VUSA domiciled?

VUSA 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.

What is the difference between VUSA and VUAA?

They are closely related listings or share classes of the same underlying index exposure. Differences are usually the trading currency, exchange or dividend treatment rather than what the fund holds.