S&P 500 DCA Real Returns (Inflation-Adjusted)

$100/month in constant dollars — Annualized real return after CPI inflation (%)

-25%-15%-5%0%+5%+10%+15%+20%+30%

Starting Year

S&P 500 total returns (incl. dividends) deflated by actual year-by-year US CPI inflation, 2000–2024. All values in constant dollars. Contributions made at start of each year.