VTI Return Calculator
Live Vanguard Total Stock Market ETF data, historical backtests since 2001, and a growth projection at its long-term average return.
About Vanguard Total Stock Market ETF
VTI is the Vanguard Total Stock Market ETF, launched in May 2001. Instead of just the 500 largest companies it holds roughly 3,500 US stocks across large, mid and small caps, tracking the CRSP US Total Market Index for an expense ratio of 0.03%.
- Launched
- May 24, 2001
- Tracks
- CRSP US Total Market Index
- Holdings
- ~3,500 US stocks
- Expense ratio
- 0.03%
Hypothetical growth
What an investment in VTI could grow to if it keeps earning its long-term average return.
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Frequently asked questions
VTI vs VOO: does the total market beat the S&P 500?+
Over most periods the difference is tiny because about 80% of VTI's weight is in the same large companies that make up the S&P 500. Small caps occasionally add or subtract a percent in a given year. Many investors simply pick one and hold it; the choice matters far less than how much and how long you invest.
Does this VTI calculator include dividends?+
Yes. All historical figures use VTI's adjusted closing price, which accounts for stock splits and assumes every dividend was reinvested on the payment date. This is the standard way to measure total return.
Where does the VTI price data come from?+
Historical and live prices for the ETF are fetched from a market data feed and cached for one hour, so the numbers on this page track the current market with at most a short delay. The backtest uses daily data for periods under five years and weekly data for longer periods.
What annual return does the hypothetical growth section use?+
It starts at VTI's actual average annual return over all available history (since 2001), the same figure as the "Since inception" row of the "If you invested" table. The "Losses and gains" section above it shows the longest stretch it stayed below a previous high and its best and worst calendar years, as a reminder of how uneven the ride to that average was. Past returns are not a forecast, so change the rate to test more conservative or optimistic scenarios. Remember that inflation of around 2% to 3% per year reduces the real purchasing power of any nominal projection.