Investing in S&P 500 from 2016 to 2025
If you had invested €100/month in S&P 500 from 2016 to the end of 2025 (10 years), you would have €26,886 today. Of that amount, €12,000 would be money you actually contributed — the rest, €14,886, would be pure gain. Your money would have multiplied 2.2x.
The 500 largest publicly traded US companies. The most closely watched stock index in the world.
Final value
€26,886
Total contributed
€12,000
Gain
€14,886
Multiplier
2.2x
Equivalent annualized return*
8.4%
Approximation: the fixed rate that, applied to everything contributed as if it were a single upfront payment, would have produced the final value. The real contributions were made month by month, not all at once.
Year-by-year evolution
This is history, not the future
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Create free accountFrequently asked questions
What was the best and worst year for S&P 500 between 2016 and 2025?+
The best year was 2019, with an approximate return of 31.5%. The worst was 2022, at -18.1%. This year-to-year swing is the asset's real volatility: even the best long-term investments have very negative years along the way.
Does this simulation guarantee S&P 500 will behave the same way in the future?+
No. This is a historical backtest with approximate 2016-2025 data: it shows what would have happened in the past, not a prediction of the future. Past returns do not guarantee future returns.
What if I change the €100 monthly contribution?+
The result scales roughly proportionally to the contribution (with small variations from the compounding effect). Try your own figure above in the simulator, or open these same parameters in the main calculator for a fuller analysis.
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Approximate data for educational purposes, collected from public sources, through year-end 2025. Not official real-time data nor a guarantee of future results: always verify exact figures before investing.