Vanguard S&P 500 ETF Returns Calculator
Calculate historical returns and project future compounding for Vanguard S&P 500 (VOO). Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Large Blend (US)
AUM
$1.76 Trillion
Expense Ratio
0.03%
Fund Manager
Michelle Louie & Nick Birkett (Vanguard)
Vanguard S&P 500 (VOO) Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 22.9% CAGR | 5 Years @ 13.8% CAGR | 10 Years @ 15.3% CAGR |
|---|---|---|---|
| $100/mo | $5,209 Invested: $3,600 | $8,679 Invested: $6,000 | $28,457 Invested: $12,000 |
| $250/mo | $13,022 Invested: $9,000 | $21,697 Invested: $15,000 | $71,142 Invested: $30,000 |
| $500/mo | $26,044 Invested: $18,000 | $43,394 Invested: $30,000 | $142,285 Invested: $60,000 |
| $1,000/mo | $52,089 Invested: $36,000 | $86,787 Invested: $60,000 | $284,569 Invested: $120,000 |
| $2,500/mo | $130,221 Invested: $90,000 | $216,968 Invested: $150,000 | $711,423 Invested: $300,000 |
* Projections calculated using actual historical 3-year (22.93%), 5-year (13.83%), and 10-year (15.34%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Vanguard S&P 500 ETF
Vanguard S&P 500 ETF (VOO) is the world's most popular exchange-traded fund for buy-and-hold wealth accumulation. Managing over $1.69 Trillion in total strategy assets at a rock-bottom 0.03% expense ratio, VOO provides low-cost, tax-efficient access to America's 500 corporate leaders.
Investment Strategy
Passive Indexing â VOO invests all or substantially all of its assets in the common stocks included in the S&P 500 Index, holding each stock in approximately the same proportion as its weighting in the benchmark.
Key Facts
- World's largest equity ETF strategy with over $1.69 Trillion in total assets
- Ultra-low 0.03% expense ratio ($3 per year per $10,000 invested)
- Backed by Vanguard's investor-owned mutual cooperative structure
- Tight tracking accuracy and minimal tracking error against the S&P 500
Historical Returns
3-Year CAGR
22.93%
5-Year CAGR
13.83%
10-Year CAGR
15.34%
Benchmark
S&P 500 Index
Historical annualized returns as of August 2026. Past performance is no guarantee of future results.
Top Holdings & Sector Allocation
As of September 2026, Vanguard S&P 500 (VOO)'s portfolio includes:
Top 5 Holdings
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
Sector Allocation
Information Technology 32.3%, Financials 12.8%, Healthcare 11.6%, Consumer Discretionary 10.2%, Communication Services 8.9%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%
Risk & Drawdowns
Standard deviation is ~15.1% matching the S&P 500 benchmark.
Experienced -33.8% drawdown during March 2020 and -23.9% in 2022.
Tax Treatment
Exceptional ETF tax efficiency. Quarterly dividends qualify predominantly for preferential qualified dividend tax rates.
Who Should NOT Invest in Vanguard S&P 500 (VOO)?
Investors seeking defensive downside protection or capital preservation over short horizons.
About the Fund Manager
Managed by Vanguard Equity Index Group: Michelle Louie, CFA and Nick Birkett, CFA.
Who Is This Fund Suitable For?
The gold standard for retail and institutional buy-and-hold investors, FIRE practitioners, and long-term retirement accounts seeking rock-bottom costs and elite tax efficiency.
More Funds from Vanguard & Similar Schemes
Similar Funds to Consider
- iShares Core S&P 500 ETF (IVV)
- SPDR Portfolio S&P 500 ETF (SPYM)
- Vanguard Total Stock Market ETF (VTI)
Or compare side by side using our main SIP calculator â you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Vanguard S&P 500 (VOO) Investors
- FIRE Calculator â Plan your retirement corpus with Vanguard S&P 500 (VOO) as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in Vanguard S&P 500 (VOO) could cost you
- SIP vs EMI Calculator â Compare investing in Vanguard S&P 500 (VOO) vs paying off loans
Frequently Asked Questions About Vanguard S&P 500 (VOO)
What is the historical SIP return of Vanguard S&P 500 (VOO)?
Based on the latest data, Vanguard S&P 500 (VOO) has delivered an annualized return (CAGR) of 22.93% over 3 years, 13.83% over 5 years, and 15.34% over 10 years. Experienced -33.8% drawdown during March 2020 and -23.9% in 2022.
How is Vanguard S&P 500 (VOO) SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in Vanguard S&P 500 (VOO) generate over 5 years?
At an estimated annual return rate of 13.83%, a monthly $500 investment ($30,000 total invested) would grow to approximately $43,394 in 5 years, yielding an estimated wealth gain of $13,394. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Vanguard S&P 500 (VOO)?
Vanguard S&P 500 (VOO)'s top holdings include Microsoft Corp. (MSFT), Apple Inc. (AAPL), NVIDIA Corp. (NVDA), and Amazon.com Inc. (AMZN). The fund's sector allocation is Information Technology 32.3%, Financials 12.8%, Healthcare 11.6%, Consumer Discretionary 10.2%, Communication Services 8.9%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%.
What is the risk profile of Vanguard S&P 500 (VOO)?
Standard deviation is ~15.1% matching the S&P 500 benchmark. This fund may not be suitable for investors seeking defensive downside protection or capital preservation over short horizons..
What are the tax implications of investing in Vanguard S&P 500 (VOO)?
Exceptional ETF tax efficiency. Quarterly dividends qualify predominantly for preferential qualified dividend tax rates.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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