VOO ROI Calculator
Estimate the total return on investment and annualized growth rate (CAGR) for a VOO investment, based on your own contribution and return assumptions.
Your investment
This is an assumption you choose, not a guaranteed VOO return. Try different values to see how they affect ROI and CAGR.
Total ROI
131.42%
Annualized return on contributions
4.28%
Estimated future value of $300,851 over 20 years. This is a projection based on your assumed return, not a guarantee.
Total contributions
$130,000
Estimated investment growth
$170,851
Estimated future value
$300,851
Cumulative ROI over time
Portfolio value vs. contributions
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 |
How the VOO ROI calculator works
This calculator runs the same monthly-compounding projection as our main VOO calculator, then adds two figures focused specifically on return: total ROI, and an "annualized return on contributions" figure — the calculator's label for what's commonly called an approximate CAGR (compound annual growth rate).
Total ROI is estimated investment growth divided by total contributions, shown as a percentage. The annualized-return figure treats your total money invested as if it were one lump sum growing steadily to the final value, which gives an intuitive annualized number — though it will typically read lower than your assumed return whenever you're making ongoing contributions, since later contributions have less time to compound. It's deliberately not labeled just "CAGR" in the calculator itself, since true CAGR assumes a single lump sum with no additional contributions along the way, and this figure is an approximation for the contribution case, not a money-weighted (IRR) calculation.
Example calculation
Investing $10,000 up front with $500 added monthly for 20 years at an assumed 7% annual return produces a projected future value with a meaningfully higher total ROI than the same scenario over just 10 years — because compounding has more time to work. The CAGR figure lets you compare scenarios with different time horizons or contribution amounts on a more even, annualized basis.
Frequently asked questions
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.