VOO Past Performance Calculator

This calculator uses actual monthly closing prices and dividend distributions for VOO from September 2010 to the present. It models monthly contribution timing, dividend reinvestment at the closing price of the distribution month, and compounding. However, it does not account for intra-month price movements, trading commissions, bid-ask spreads, taxes, or inflation. Real-world returns may differ slightly from these results. For the most accurate projection of your specific situation, consult a licensed financial advisor.

Total return is the overall percentage gain or loss on your investment from start to finish. Annualized return converts that total into a yearly average rate, accounting for compounding. For example, a 100% total return over 10 years equals roughly 7.2% annualized. That means your money grew as if it earned 7.2% every year, compounded. Annualized return is more useful for comparing investments held over different time periods.

Historically, reinvesting dividends has significantly increased long-term returns through compounding. A $10,000 investment in VOO at inception with dividends reinvested would be worth substantially more than the same investment without reinvestment. Most brokerages, including Fidelity, Schwab, and Vanguard, offer free automatic dividend reinvestment (DRIP). In a Roth IRA, reinvested dividends grow tax-free. In a taxable account, reinvested dividends are still taxable income in the year received, but the compounding benefit usually outweighs the annual tax bill.