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 Mon 2026-09-21 Overall
Return
Exponential
Trendline
SPY
×
+3,115.31%
+10.87%/yr
+8.87%/yr
R2=0.915
State Street SPDR S&P 500 ETF Trust Exchange-Traded Fund
MSFT
×
+30,465.47%
+18.54%/yr
+14.91%/yr
R2=0.863
Microsoft Corporation NASDAQ Common Stock

Growth of $10,000 Summary

Fri 1993-01-29💬 to Mon 2026-09-21 Start
Value
End
Value
SPY
×
$10,000.00
1993-01-29
$321,530.71
2026-09-21
MSFT
×
$10,000.00
1993-01-29
$3,056,547.44
2026-09-21

This Year’s Performance

through 2026-09-21

  YTD YoY
SPY
×
+14.32% +17.80%
MSFT
×
+4.38% −2.35%

Drawdowns

  Current
Drawdown
Worst
Drawdown
SPY
×
−0.32%
on 2026-09-21
from 2026-08-13 peak
−55.19%
on 2009-03-09
from 2007-10-09 peak
MSFT
×
−6.70%
on 2026-09-21
from 2025-10-28 peak
−69.39%
on 2009-03-09
from 1999-12-27 peak

Rolling Returns

Period ending Mon 2026-09-21 1 yr 2 yr 3 yr 5 yr 10 yr
SPY
×
+17.80% +39.26%
+18.01%/yr
+85.93%
+22.96%/yr
+90.72%
+13.78%/yr
+319.68%
+15.42%/yr
MSFT
×
−2.35% +17.06%
+8.19%/yr
+60.66%
+17.12%/yr
+77.29%
+12.13%/yr
+878.01%
+25.61%/yr

Annual Returns

Year SPY MSFT
2026 (YTD) +14.32% +4.38%
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%