ITOT calculator
Historical growth of iShares Core S&P Total US Stock Market using S&P Total Market (proxied by S&P 500) return series. Dividends reinvested at year-end; expense ratio drag negligible at 0.03%.
$10,000 invested in ITOT at inception (2004) with dividends reinvested through end of 2024 would be worth approximately $77,869 nominal ($45,670 in 2004 dollars). Annualized nominal: 10.27%; real: 7.50%.
Uses annual S&P 500 total return (with dividends reinvested) and CPI-U inflation, 1928–2024. Source: Damodaran (NYU Stern) + Shiller CAPE + BLS. Excludes fees, taxes, and bid/ask. Real return = nominal ÷ cumulative CPI.
ITOT at a glance
| Full name | iShares Core S&P Total US Stock Market |
| Provider | BlackRock |
| Expense ratio | 0.03% |
| Inception | 2004 |
| Assets under management | $60B |
| Dividend yield | 1.30% |
| Return series used | S&P Total Market (proxied by S&P 500) |
How this calculator works
For each start year, we apply the year-by-year total return of the S&P Total Market (proxied by S&P 500) to the entered starting amount, compounding annually with dividends reinvested at year-end. This mirrors what an actual buy-and-hold ITOT holder would have experienced, before fees and taxes. Expense ratio is intentionally excluded from the historical result to keep the underlying series comparable across ETFs; for a full lifetime fee estimate at 0.03%, use the projection tab in our fund fee analyzer.