$10,000 put into bitcoin in January 2016 would be worth $1,881,465 today (+18,715%, +62.2% a year). The same amount in the S&P 500 $46,243, and in Treasury bills $12,816. Keeping up with inflation would have needed $14,139. Change the amount, start date or asset below, or invest every month.
$10,000 invested in January 2016, value today
Prices as of Oct 22, 2026, 14:49 UTC
Investment
Value today
Change
Per year
After inflation
BitcoinBTC
$1,881,465
+18,715%
+62.2%
+13,207%
GoldCOMEX gold
$38,250
+283%
+13.2%
+171%
SilverCOMEX silver
$40,566
+306%
+13.8%
+187%
S&P 500US stocks, dividends reinvested
$46,243
+362%
+15.2%
+227%
SensexIndian stocks, excluding dividends
$20,062
+101%
+6.6%
+42%
Treasury bills3-month US T-bills (cash)
$12,816
+28%
+2.3%
−9%
InflationAmount needed to keep up with US prices
$14,139
+41%
+3.2%
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"Per year" is the average annual return (money-weighted for monthly investing). "After inflation" compares each result with the amount needed to keep up with prices (inflation data to August 2026). Before taxes, fees, premiums and storage costs.
$10,000 Invested in January of Each Year: Value Today
Bitcoin compared with S&P 500, Treasury bills and inflation, one-time investment.
Invested
Bitcoin
Gold
S&P 500
Treasury bills
Inflation
Best
Jan 2025
$8,655−7.6%/yr
$15,408+26.6%/yr
$13,510+17.8%/yr
$10,738+4.0%/yr
$10,545
Gold
Jan 2024
$18,502+24.3%/yr
$19,834+27.3%/yr
$16,949+20.5%/yr
$11,284+4.4%/yr
$10,861
Gold
Jan 2023
$49,154+51.5%/yr
$22,276+23.2%/yr
$21,368+21.9%/yr
$11,869+4.6%/yr
$11,197
Bitcoin
Jan 2022
$17,136+11.8%/yr
$22,845+18.6%/yr
$17,318+12.0%/yr
$12,111+4.0%/yr
$11,915
Gold
Jan 2021
$27,820+19.2%/yr
$21,126+13.7%/yr
$22,767+15.1%/yr
$12,116+3.3%/yr
$12,806
Bitcoin
Jan 2020
$113,495+42.7%/yr
$26,975+15.6%/yr
$26,335+15.2%/yr
$12,161+2.9%/yr
$12,985
Bitcoin
Jan 2019
$212,613+47.7%/yr
$32,102+16.1%/yr
$34,877+17.3%/yr
$12,414+2.8%/yr
$13,308
Bitcoin
Jan 2018
$59,835+22.4%/yr
$31,303+13.8%/yr
$33,114+14.5%/yr
$12,657+2.7%/yr
$13,515
Bitcoin
Jan 2017
$818,555+56.5%/yr
$35,439+13.7%/yr
$40,337+15.2%/yr
$12,775+2.5%/yr
$13,794
Bitcoin
Jan 2016
$1,881,465+62.2%/yr
$38,250+13.2%/yr
$46,243+15.2%/yr
$12,816+2.3%/yr
$14,139
Bitcoin
Jan 2015
$2,600,435+60.0%/yr
$34,674+11.1%/yr
$46,185+13.8%/yr
$12,822+2.1%/yr
$14,333
Bitcoin
Value today of $10,000 invested on the first trading day of January of each year. The "Inflation" column is what you would need today to match the buying power of $10,000 then.
How the calculator works
Bitcoin, gold and bitcoin: daily closing prices in US dollars; today's value uses the live price.
Stocks: the S&P 500 total return index (dividends reinvested) and the BSE Sensex (price index — dividends of roughly 1–1.5% a year are not included).
Treasury bills: average 3-month US Treasury bill rate for each year, a stand-in for cash in a savings or money-market account, compounded monthly, before tax.
Inflation: the US consumer price index (CPI-U), month by month.
Monthly investing buys on the first trading day of each month at that day's close.
Not included: taxes, dealer premiums and making charges, storage, fund fees and exchange spreads. Past returns are not a guide to the future, and this is not investment advice.
How much would $10,000 invested in bitcoin in 2016 be worth today?
Invested in January 2016, $10,000 in bitcoin would be worth about $1,881,465 now (+18,715%, +62.2% a year), compared with $46,243 in the S&P 500 and $12,816 in Treasury bills.
How much would $10,000 invested in bitcoin in 2021 be worth today?
Invested in January 2021, $10,000 in bitcoin would be worth about $27,820 now (+178%, +19.2% a year), compared with $22,767 in the S&P 500 and $12,116 in Treasury bills.
Has bitcoin beaten the stock market?
It depends on the period. From September 2014 to today, bitcoin returned +53.1% a year in dollars, against +13.7% for the S&P 500 with dividends reinvested. Of the 11 January start dates in the table, bitcoin is ahead of the S&P 500 today for 9 and behind for 2.
Has bitcoin beaten inflation?
Since September 2014, bitcoin has grown from $10,000 to $1,786,843, while prices rose enough that $14,073 is needed today to buy what $10,000 bought then. Of the 11 January start dates in the table, bitcoin is ahead of inflation today for 10 and behind for 1.
What does the calculator include and leave out?
It uses daily closing prices (the first close of each month for monthly investing) converted at that day's exchange rate. It leaves out exchange fees and spreads, taxes on gains and on interest, and fund charges. The S&P 500 figures include reinvested dividends; the Sensex figures do not. Deposit returns use average annual rates, compounded monthly, before tax.
Is this investment advice?
No. It shows what happened in the past, which says nothing reliable about the future. Bitcoin and stocks can fall sharply, and the best and worst asset changes from one period to the next.