Snowballr provides financial education, not investment advice. Verify any advisor on FINRA BrokerCheck.
State Street · SP500 · 0.02% ER

SPLG calculator

Historical growth of SPDR Portfolio S&P 500 ETF using S&P 500 Total Return return series. Dividends reinvested at year-end; expense ratio drag negligible at 0.02%.

Last reviewed July 2, 2026Fact-checked against primary sourcesEditorial standards
Coverage: Compound interest · Retirement · FIRE · Debt payoff · Mortgages · Fraud prevention
Built from: IRS · FINRA · SEC · BLS · Federal Reserve · Freddie Mac30+ primary sources verified
Historical benchmark

$10,000 invested in SPLG at inception (2005) with dividends reinvested through end of 2024 would be worth approximately $70,317 nominal ($42,338 in 2005 dollars). Annualized nominal: 10.24%; real: 7.48%.

Your what-if
$
2005
19282024
You would have
$70K
by end of 2024 — from $10K invested at start of 2005
In 2005 dollars (real, after inflation)$42K
Annualized nominal return10.24%
Annualized real return7.48%
Years held20
Cumulative inflation×1.66

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.

SPLG at a glance

Full nameSPDR Portfolio S&P 500 ETF
ProviderState Street
Expense ratio0.02%
Inception2005
Assets under management$40B
Dividend yield1.30%
Return series usedS&P 500 Total Return

How this calculator works

For each start year, we apply the year-by-year total return of the S&P 500 Total Return to the entered starting amount, compounding annually with dividends reinvested at year-end. This mirrors what an actual buy-and-hold SPLG 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 0.02%, use the projection tab in our fund fee analyzer.

Related ETF calculators