VOO Calculator

What is VOO?

VOO is the ticker for the Vanguard S&P 500 ETF, a low-cost fund that tracks the performance of the S&P 500 index. It’s a popular choice for a voo investment calculator scenario because it offers broad diversification across roughly 500 of the largest U.S. companies at an expense ratio of just 0.03%. The fund has paid dividends quarterly since it launched in 2010.

Using this as a VOO ETF calculator

Because VOO is an ETF rather than a mutual fund, it trades like a stock throughout the day and can be bought through virtually any brokerage — unlike mutual fund equivalents such as VFIAX or FXAIX, which are priced once daily. As a voo etf calculator, this tool models VOO’s actual mechanics: monthly compounding on your contributions, quarterly dividend payments, and an expense ratio that’s already baked into the fund’s reported returns rather than something you need to subtract separately.

Curious how VOO’s ETF structure compares to a mutual fund tracking the same index? See VOO vs. VFIAX or VOO vs. FXAIX.

VOO vs. VTI vs. SPY

VOO is often compared with VTI (which adds mid- and small-cap stocks alongside the S&P 500) and SPY (an older S&P 500 ETF with a different fund structure and typically higher costs). All three are broad, low-cost ways to invest in U.S. stocks, but their expense ratios and underlying indexes differ:

Data last verified: 2026-09-17

See full breakdowns for each pairing:

• VOO vs. SPY
• VOO vs. VTI
• VOO vs. QQQ
• VOO vs. SCHD
• VOO vs. IVV
• VOO vs. FXAIX
• VOO vs. VOOG
• VOO vs. VFIAX
• VOO vs. SPLG

Browse all comparisons →

How this VOO growth calculator works

This voo compound interest calculator separates two sources of return: price growth and dividend yield, so dividends are never double-counted. Follow these steps to build your own projection:

1. 1

   Enter your initial investment

   Start with the lump sum you're investing today, for example $10,000.

2. 2

   Enter your monthly contribution

   Add how much you plan to invest each month going forward, for example $500.

3. 3

   Choose your investment horizon

   Set the number of years you plan to stay invested, for example 20 years.

4. 4

   Pick an annual price growth rate

   Use a preset — Conservative, Historical average (12%), or Optimistic — or enter your own assumed annual price growth rate.

5. 5

   Enter VOO's dividend yield and DRIP setting

   Enter a dividend yield (VOO's approximate yield is 1.07%) and choose whether to reinvest dividends (DRIP).

6. 6

   Review your results

   The calculator shows your final balance, total contributions, price growth, and dividends broken out separately, plus a year-by-year schedule.

Worked example: starting with $10,000, contributing $500/month for 20 years at an 12% historical average price growth rate and a 1.07% dividend yield with DRIP on, the default inputs above show how contributions, price growth, and dividends each contribute to your ending balance.

VOO growth over time

Use the growth rate presets in the voo calculator over time above — Conservative, Historical average, and Optimistic — to see a range of outcomes rather than relying on a single guess. No one can predict future returns, so comparing scenarios is more useful than a single-point estimate from a voo return calculator.

Dividends & DRIP explained

VOO pays dividends quarterly based on the underlying companies’ earnings distributions. For a deeper look at projected income, try our VOO dividend calculator. To directly compare reinvesting versus taking dividends as cash, see the VOO DRIP calculator.

Limitations of this projection

Markets don’t grow in a smooth, constant line — this voo stock calculator assumes a fixed annual growth rate and dividend yield for simplicity. Actual returns will vary year to year, and past performance is not indicative of future results. See our methodology page for full details on formulas and assumptions.

Learn more about VOO

• Is VOO a good investment? — an honest look at its pros, cons, and who it suits
• VOO holdings — top stocks, sector breakdown, and how concentrated the fund really is
• VOO in a Roth IRA — how tax-free growth changes the math on dividends and DRIP
• VOO dividend history — actual annual dividend per share by year
• VOO ex-dividend date — what it means and where to find the next one
• VOO minimum investment & fractional shares — what it actually costs to start
• VOO price projection — bear, base, and bull growth scenarios instead of a guess
• What is a VOO investment? — a plain-English guide, including the dollar-cost-averaging formula

Frequently asked questions