VOO Calculator
Use this free VOO calculator to estimate how your VOO investment could grow over time, from a single return assumption you choose (price growth, dividends, or both combined). Enter an initial amount, a monthly contribution, a time horizon, and a return assumption to see a projection.
Project a lump sum plus monthly contributions compounding 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%
Contributions — 43%
Growth — 57%
- 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 | $10,000 | $6,000 | $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 |
NYSE Arca · USD
Vanguard S&P 500 ETF (VOO)
As of 1:04 PM EDT · Market open
- Day’s range
- $700.10 – $705.66
- 52-week range
- $578.46 – $718.47
- Previous close
- $698.58
- Volume
- 2.9M
Quote data via Yahoo Finance and may be delayed. This site is not affiliated with Vanguard.
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Some of VOO's Largest Holdings
VOO is a market-cap-weighted S&P 500 fund, so its largest positions are generally its largest constituent companies. Below are live prices for some of VOO's best-known large holdings — but not exact weightings or a verified ranking, since we don't have a reliable live source for Vanguard's precise current fund composition. For VOO's exact holdings list and weights, see Vanguard's official VOO fund page.
NVIDIA Corp
Apple Inc
Microsoft Corp
Amazon.com Inc
Alphabet Inc (Class A)
Meta Platforms Inc
Broadcom Inc
Tesla Inc
Berkshire Hathaway (Class B)
JPMorgan Chase & Co
Prices via Yahoo Finance and may be delayed. This is not a complete or ranked holdings list, and this site is not affiliated with Vanguard.
What this result means...
The estimated future value above combines two things: the money you put in (contributions) and the growth that compounding could add on top, if VOO's returns match the percentage you assumed. The calculator does not know what VOO will actually return in the future — no calculator can. Instead, it shows you the mathematical result of a given assumption, so you can compare scenarios like "what if returns are lower" or "what if I contribute more."
How it works
You give it 4 numbers
Starting balance, monthly contribution, years, expected return.
It compounds monthly
Annual rate divided by 12, applied every month. Contribution added at month-end.
You see a projected balance
Broken out into what you put in vs. what compounding added on top.
For the full formulas, rounding rules, and assumptions, see our methodology page, or read how to calculate VOO returns for a step-by-step walkthrough.
VOO investment examples
A few common scenarios, calculated at a 7% assumed annual return. Change the numbers in the calculator above to match your own plan.
$100/month for 10 years
$17,308
- Total contributions
- $12,000
- Estimated growth
- $5,308
Assumes a 7% annual return — a chosen assumption, not a historical or guaranteed VOO return.
$500/month for 20 years
$260,463
- Total contributions
- $120,000
- Estimated growth
- $140,463
Assumes a 7% annual return — a chosen assumption, not a historical or guaranteed VOO return.
$1,000/month for 20 years
$520,927
- Total contributions
- $240,000
- Estimated growth
- $280,927
Assumes a 7% annual return — a chosen assumption, not a historical or guaranteed VOO return.
$1,000/month for 30 years
$1,219,971
- Total contributions
- $360,000
- Estimated growth
- $859,971
Assumes a 7% annual return — a chosen assumption, not a historical or guaranteed VOO return.
Quick answers
The questions visitors ask most
Each card links to the full guide if you want the long version.
What is VOO?
The Vanguard S&P 500 ETF. Roughly 500 companies in the index, weighted by market cap, at one of the lowest costs among S&P 500 funds.
Read the full guideVOO vs SPY?
Both track the S&P 500. VOO tends to run cheaper over time; SPY trades with deeper liquidity and a larger options market.
See VOO vs SPYReady to Open a Vanguard Account?
VOO is issued directly by Vanguard, so opening a Vanguard account is one of the most direct ways to buy it — though VOO is also available through most other brokerages. If you are ready to move from projecting numbers to actually investing, you can open a Vanguard account and start buying VOO shares today.
Open a Vanguard AccountThis link goes to Vanguard’s own website. VOO Calculator is an independent tool and is not affiliated with, endorsed by, or sponsored by Vanguard.
Frequently asked questions
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VOO calculator guides, dividend insights, and S&P 500 analysis to help you invest smarter.
Written by Muhammad Hamza · Updated
Sources: live prices, holdings and dividends from Yahoo Finance; formulas and assumptions on our methodology page.
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.