All charts and data below are with dividends reinvested. (Inflation adjustment is OFF !)

Total Real Returns

SPY vs. MSFT: Total Return Chart (with Dividends Reinvested)

Growth of $10,000

Fri 1993-01-29💬 to Thu 2026-09-24 Overall
Return
Exponential
Trendline
SPY
×
+3,089.04%
+10.84%/yr
+8.87%/yr
R2=0.915
State Street SPDR S&P 500 ETF Trust Exchange-Traded Fund
MSFT
×
+30,241.23%
+18.51%/yr
+14.91%/yr
R2=0.863
Microsoft Corporation NASDAQ Common Stock

Growth of $10,000 Summary

Fri 1993-01-29💬 to Thu 2026-09-24 Start
Value
End
Value
SPY
×
$10,000.00
1993-01-29
$318,903.59
2026-09-24
MSFT
×
$10,000.00
1993-01-29
$3,034,123.45
2026-09-24

This Year’s Performance

through 2026-09-24

  YTD YoY
SPY
×
+13.38% +17.30%
MSFT
×
+3.61% −1.59%

Drawdowns

  Current
Drawdown
Worst
Drawdown
SPY
×
−1.13%
on 2026-09-24
from 2026-08-13 peak
−55.19%
on 2009-03-09
from 2007-10-09 peak
MSFT
×
−7.39%
on 2026-09-24
from 2025-10-28 peak
−69.39%
on 2009-03-09
from 1999-12-27 peak

Rolling Returns

Period ending Thu 2026-09-24 1 yr 2 yr 3 yr 5 yr 10 yr
SPY
×
+17.30% +37.39%
+17.21%/yr
+84.82%
+22.72%/yr
+84.78%
+13.07%/yr
+315.93%
+15.32%/yr
MSFT
×
−1.59% +17.85%
+8.56%/yr
+60.75%
+17.14%/yr
+73.32%
+11.63%/yr
+876.41%
+25.59%/yr

Annual Returns

Year SPY MSFT
2026 (YTD) +13.38% +3.61%
2025 +17.72% +15.58%
2024 +24.89% +12.93%
2023 +26.18% +58.19%
2022 −18.18% −28.02%
2021 +28.73% +52.48%
2020 +18.33% +42.53%
2019 +31.22% +57.56%
2018 −4.57% +20.80%
2017 +21.71% +40.73%
2016 +12.00% +15.08%
2015 +1.23% +22.69%
2014 +13.46% +27.56%
2013 +32.31% +44.30%
2012 +15.99% +5.78%
2011 +1.90% −4.52%
2010 +15.06% −6.52%
2009 +26.35% +60.47%
2008 −36.79% −44.39%
2007 +5.15% +20.84%
2006 +15.85% +15.84%
2005 +4.83% −0.94%
2004 +10.70% +9.13%
2003 +28.18% +6.82%
2002 −21.58% −21.96%
2001 −11.76% +52.74%
2000 −9.74% −62.85%
1999 +20.39% +68.36%
1998 +28.69% +114.60%
1997 +33.48% +56.43%
1996 +22.56% +88.31%
1995 +38.04% +43.56%
1994 +0.40% +51.62%
1993 +8.64% −5.56%
1992 — +15.12%
1991 — +121.77%
1990 — +72.98%
1989 — +63.39%
1988 — −1.84%
1987 — +124.88%
1986 — +72.37%