VOO Calculator: Vanguard S&P 500 ETF Growth
Project VOO investment growth with monthly contributions. Compare VOO, IVV and SPY fees over 10, 20 and 30 years, with dividends reinvested.
Investment Parameters
LiveEvery field editable at a glance, no tabs
Instant answer
If you invest $1,000 upfront and $500/month for 20 years at a 10% annual return, you could reach about $388,634.
In today's money, at 2.5% inflation a year, that's worth about $237,172.
You put in $121,000. Interest earned adds about $267,634.
Millionaire path
To aim for $1,000,000 in 20 years, try about $1,307/month.
Your projected total
$388,634
After 20 years at a 10% annual return
Total Invested
$121,000
Your contributions
Interest earned
$267,634
221.19% return
Total Fees Paid
$802
You could lose $802 to fees over 20 years.
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Purchasing Power Analysis
Worth in today's purchasing power:
$237,172
This is what your final balance would be worth in today's money
Nominal value in future dollars:
$388,634
In 20 years at 2.5% annual inflation
Why the difference? Due to 2.5% inflation, your $388,634 in 20 years will have the same purchasing power as $237,172 today. This means goods and services that cost $237,172 today will cost $388,634 in the future.
Wealth Growth
Investment growth report
Printed on
Assumptions
- Initial deposit
- $1,000
- Monthly contribution
- $500
- Time horizon
- 20 years
- Annual return (nominal)
- 10.00%
- Annual management fee
- 0.03%
- Inflation
- 2.50%
- Currency
- USD
Key results
- Final balance
- $388,634
- Total invested
- $121,000
- Total growth
- $267,634
| Year | Invested | Balance |
|---|---|---|
| Year 0 | $1,000 | $1,000 |
| Year 1 | $7,000 | $7,439 |
| Year 2 | $13,000 | $14,549 |
| Year 3 | $19,000 | $22,402 |
| Year 4 | $25,000 | $31,075 |
| Year 5 | $31,000 | $40,653 |
| Year 6 | $37,000 | $51,231 |
| Year 7 | $43,000 | $62,912 |
| Year 8 | $49,000 | $75,813 |
| Year 9 | $55,000 | $90,061 |
| Year 10 | $61,000 | $105,796 |
| Year 11 | $67,000 | $123,174 |
| Year 12 | $73,000 | $142,365 |
| Year 13 | $79,000 | $163,560 |
| Year 14 | $85,000 | $186,966 |
| Year 15 | $91,000 | $212,817 |
| Year 16 | $97,000 | $241,365 |
| Year 17 | $103,000 | $272,893 |
| Year 18 | $109,000 | $307,713 |
| Year 19 | $115,000 | $346,166 |
| Year 20 | $121,000 | $388,634 |
Project VOO contributions and compare ETF fees
This VOO calculator starts with a 10% annual total-return assumption and Vanguard’s 0.03% expense ratio. Change the contribution, holding period and return to model your plan. For actual index history, use the S&P 500 calculator and its historical return tool.
What VOO's 0.03% fee costs over time
VOO, IVV and SPY all track the S&P 500. Holding the assumed gross return constant lets you compare their expense ratios. The table models the reduction in your ending balance; it does not predict which fund will perform best. To choose between VOO, IVV, SPY and the mutual funds, use the S&P 500 index fund comparison.
| Years | VOO (0.03%) | IVV (0.03%) | SPY (0.0945%) | VOO minus SPY |
|---|---|---|---|---|
| 10 | $105,796 | $105,796 | $105,396 | $400 |
| 20 | $388,634 | $388,634 | $385,342 | $3,292 |
| 30 | $1,151,995 | $1,151,995 | $1,136,039 | $15,956 |
Monthly compounding with start-of-month deposits. Monthly fees are deducted from the balance before growth. Nominal values, before taxes, trading costs and tracking differences.
Expense ratios retrieved 2026-09-27: Vanguard (VOO); iShares (IVV); State Street (SPY).
VOO dividends and reinvestment
Vanguard reported a 1.07% dividend yield as of 2026-07-31. Its fund fact sheet lists a quarterly distribution schedule. Sources retrieved 2026-09-27. The yield changes with distributions and price; it is not a promised payment rate.
The 10% starting assumption includes reinvested dividends. Adding the dividend yield on top would count that income twice. If you take distributions as cash, model a lower portfolio growth assumption or use the dividend reinvestment calculator to separate income and price growth.
How to use the VOO investment calculator
Enter your current balance and monthly contribution, then choose your holding period. The fee field starts at Vanguard’s published expense ratio. Try lower returns as well as the default: a fixed growth rate cannot reproduce market falls or the order in which they occur.
The fee comparison excludes brokerage costs, taxes and differences in tracking the index. Use your broker’s actual costs when estimating what you could keep. Past returns do not guarantee future results.
Related guides
Built and maintained by Oscar Gallego Ruiz. Historical data through 2025. Methodology and sources.
Disclaimer: WealthSim is an independent educational tool for financial simulation and is not affiliated with any financial institution, including Wealthsimple. All calculations are for educational purposes and do not constitute financial advice.
Frequently Asked Questions
What expense ratio does this VOO calculator use?
Does the VOO return assumption include dividends?
Does VOO pay dividends monthly?
Why do VOO and IVV have the same result in the table?
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