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Returns & Compounding Calculators
What if you had invested steadily every month in the KOSPI, S&P 500, Samsung Electronics or Bitcoin? Simulated with actual historical data.
For overseas assets, changes in the USD/KRW exchange rate are included. Turn this off to see USD-based returns.
Enter your values and press Calculate
Market value
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Total invested
Cumulative return
Annualized return (IRR)
How to use
Instead of an assumed return, this calculates the result of buying the same amount every month at actual month-end closing prices.
Choose from the KOSPI, S&P 500, Nasdaq, major stocks, Bitcoin and gold, then set the start and end months.
Assumes you buy the same amount each month at the month-end close. Fractional purchases are allowed.
See what would have happened if you had put in the same total in the first month, and compare the pros and cons of regular investing.
Each month, the contribution divided by that month's closing price is added to your quantity, and the total is valued at the end-month close. For overseas assets with the KRW option selected, purchases are converted at that month's USD/KRW rate and revalued in won at the end-month rate.
The annualized return is the internal rate of return (IRR), which takes into account when each month's money went in. It shows regular-investing performance more fairly than the simple cumulative return.
This is a price return that does not include dividends, taxes or trading costs. Including dividends, actual performance may be slightly higher.
$500 invested at every month-end from October 2016 to September 2026 (120 months). Results are in US dollars and use price returns only, so dividends are not included.
Annualized return is the internal rate of return of your monthly cash flows. Change the asset and dates in the calculator to compare other periods.
The tool uses month-end closing prices (data through September 2026, with October based on the October 2 close). US stocks and ETFs use split-adjusted closes from Yahoo Finance, and Korean assets use adjusted prices from Naver Pay Securities, converted with month-end USD/KRW rates from the Federal Reserve (FRED) and Yahoo Finance. Dividends are not included.
Korean indices and stocks use NAVER Finance monthly candles (adjusted prices); overseas indices, stocks, Bitcoin and gold use Yahoo Finance month-end closes; exchange rates use US Federal Reserve (FRED) month-end rates. The data reference date is shown at the top of the page.
Because for assets that rise over the long term, putting more in earlier works out better. In exchange, regular investing reduces the risk of investing everything at a peak and has the effect of buying more shares in a falling market.
No. It is based on price return. You can see the effect of dividend reinvestment separately in the Dividend Reinvestment (DRIP) Calculator.
Press Copy result link to copy a link containing your inputs. When the recipient opens it, the same result is calculated right away.
Results are estimates based on your inputs and simplified assumptions, and are for reference only, not a basis for investment decisions.
Last updated: November 2, 2026
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