VOO Investment Calculator
Model a one-time investment, ongoing monthly contributions, or a combination of both, and see how the plan could play out over time.
Your investment
This is an assumption you choose, not a guaranteed VOO return. Try different values to see how they affect the projection.
Estimated future value
$300,851
Based on a 7.00% assumed annual return over 20 years. This is a projection, not a guarantee.
Total contributions
$130,000
Estimated investment growth
$170,851
Estimated total return
131.42%
- Initial investment
- $10,000
- Total monthly contributions
- $120,000
- Investment period
- 20 years
- Assumed annual return
- 7.00%
Year-by-year breakdown
| Year | Starting balance | Contributions | Investment growth | Ending balance |
|---|---|---|---|---|
| 1 | $0 | $16,000 | $919 | $16,919 |
| 2 | $16,919 | $6,000 | $1,419 | $24,339 |
| 3 | $24,339 | $6,000 | $1,956 | $32,294 |
| 4 | $32,294 | $6,000 | $2,531 | $40,825 |
| 5 | $40,825 | $6,000 | $3,148 | $49,973 |
| 10 | $93,671 | $6,000 | $6,968 | $106,639 |
| 15 | $168,587 | $6,000 | $12,383 | $186,971 |
| 20 | $274,790 | $6,000 | $20,061 | $300,851 |
Planning a VOO investment
Most people investing in VOO fall into one of a few patterns: investing a lump sum and leaving it, contributing a fixed amount every month, or doing both — starting with savings and then adding to the position over time. This calculator supports all three by letting you set the initial investment and monthly contribution independently.
If you're deciding between a lump sum and spreading contributions out over time (an approach sometimes called dollar-cost averaging), try running both scenarios through the calculator above with the same total amount invested, and compare the projected outcomes side by side.
For a plain-language explanation of the fund itself, see what VOO is.
This is an educational calculator, not financial advice.
Results shown are estimated future values based on the return assumption you enter — they are not predictions and VOO is not guaranteed to achieve any particular return. Past performance of the S&P 500 or any fund does not guarantee future results. Consider speaking with a licensed financial professional before making investment decisions.