XLK calculator
Historical growth of Technology Select Sector SPDR using Technology Select Sector Index return series. Dividends reinvested at year-end; expense ratio drag negligible at 0.09%.
$10,000 invested in XLK at inception (1998) with dividends reinvested through end of 2024 would be worth approximately $97,035 nominal ($49,639 in 1998 dollars). Annualized nominal: 8.78%; real: 6.11%.
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.
XLK at a glance
| Full name | Technology Select Sector SPDR |
| Provider | State Street |
| Expense ratio | 0.09% |
| Inception | 1998 |
| Assets under management | $80B |
| Dividend yield | 0.70% |
| Return series used | Technology Select Sector Index |
How this calculator works
For each start year, we apply the year-by-year total return of the Technology Select Sector Index to the entered starting amount, compounding annually with dividends reinvested at year-end. This mirrors what an actual buy-and-hold XLK 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 0.09%, use the projection tab in our fund fee analyzer.