See how your money could have grown with SPY, QQQ, or compound returns.
Calculate long-term investment outcomes with exact start dates, recurring contributions, and clear methodology. Use the homepage calculator for fast estimates, then explore dedicated SPY, QQQ, and compound interest pages for deeper scenarios.
Assets covered
SPY + QQQ
Flexible inputs
Start date + DCA
Built for
Clarity and trust
Exact start-date scenarios
Pick a specific historical date instead of relying on rough year-based shortcuts. This makes backtests easier to interpret.
Recurring contribution planning
Test monthly or yearly investing schedules and understand how contribution timing can affect long-term outcomes.
Transparent methodology
Every calculator page is paired with plain-language guides so you can understand what the numbers mean before making decisions.
Explore both historical investing scenarios and formula-based growth.
Use historical backtesting for SPY and QQQ date-based scenarios, or switch to the compound interest calculator for generic savings and investing projections.
Uses adjusted close prices so splits and distributions are reflected in long-term return calculations. A server-side Alpha Vantage API key is required for live historical results.
Selected asset
SPY
Planned contributions
98
Total cash scheduled
$59,000
Trade-day rule
Next market day
How this backtest is structured
If a selected date is not a trading day, the calculation shifts that purchase to the next trading day.
Results include trade dates, purchase prices, bought shares, total contributed, final value, total return, and annualized return.
Start-date backtesting
Choose the exact day you want to start and model recurring contributions from there.
Dedicated SPY and QQQ pages
Go deeper on each asset with focused calculators and answers to the questions investors actually ask.
Compound interest planning
Use the generic calculator to model savings goals, periodic investing, and return assumptions outside ETF backtests.
Methodology guides
Learn how adjusted close, contribution timing, and annualized return affect the way results should be read.