What was XRP's compound annual growth rate (CAGR) since 2019?

XRP's CAGR from 2019 to September 2026 was 20.2% per year. For comparison, the S&P 500 has historically averaged around 10% annually. XRP significantly outperformed traditional equity markets on an annualized basis.

How does XRP compare to the S&P 500 since 2019?

The same $1,000 invested in an S&P 500 index fund in 2019 would be worth approximately $3,451.32 today. XRP outperformed the index by $697.85 — 1.20x the return of the S&P 500.

How much of the XRP gain would you keep after taxes?

Sold today, the $3,149.17 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $3,676.79. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $3,399.67, and lower incomes pay 0%. State tax is extra, and gains inside a Roth IRA aren't taxed.

What is the inflation-adjusted return on $1,000 in XRP since 2019?

Adjusted for cumulative US inflation since 2019, the real purchasing-power value of the XRP position is approximately $3,254.42 in 2019 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did XRP perform in 2019?

XRP fell 47% during 2019, from $0.36 at the start of the year to $0.19 at the start of 2020.

What If You Invested $1,000 in XRP in 2019?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$4,149

+$3,149 profit4.15x20.2% a year

The same $1,000 in an S&P 500 index fund: $3,451

Aftertax on the gain, you’d keep$3,677

US federal long-term rates: 15% for most people, 0% on lower incomes, 20% + 3.8% on high incomes. No state tax included; none inside a Roth IRA.

Compare with

Growth Over Time

Performance Metrics

Total Invested

$1,000.00

Current Value

$4,149.17

Total Profit

$3,149.17

Multiplier

4.15x

CAGR

20.2%

Max Drawdown

-79.4%

Inflation-Adjusted

$3,254.42

Benchmark Comparison

How does $1,000.00 invested in 2019 compare across different asset classes?

Asset	Value Today	Return
XRP	$4,149.17	4.15x
S&P 500	$3,451.32	3.45x
Gold	$3,287.13	3.29x
Savings (2% APY)	$1,165.76	1.17x

Back in 2019

In June 2019, Ripple agreed to invest up to $50 million in MoneyGram, which would use XRP to settle some cross-border money transfers. coindesk.com
In 2019, a gallon of gas averaged $2.60, a movie ticket averaged $9.16 and the new iPhone 11 Pro started at $999. eia.gov apple.com hollywoodreporter.com
During 2019 itself, XRP fell 47%, #98 of the 100 investments we track. The best was Chainlink (+511%); the worst was Stellar (−60%). Full 2019 results →

$1,000 in XRP, year by year

Of the 100 investments we track that were available at the start of 2019, XRP ranks #35 by growth to today — just behind Spotify and ahead of JPMorgan. See the full 2019 ranking →

XRP started 2019 84% below its start-of-2018 high, after falling 84% in 2018. It was worth less than the $1,000 put in at the start of 2020, 2021 and 2023, and has been above it since the start of 2024. Its best January was 2025, at $5,833. Today it's 29% below that, so selling then would have beaten holding. It rose in 4 of the 7 full years since. It moved ahead of the same $1,000 in the S&P 500 at the start of 2025 and has stayed ahead since. Month by month, the deepest fall ran from Apr 2021 ($4,410) to Aug 2022 ($908.44), a drop of 79%. At its lowest month-end, in Mar 2020, it was worth $483.67.

When	Worth	Change	S&P 500
Start of 2019	$1,000	—	$1,000
Start of 2020	$528	−47%	$1,315
Start of 2021	$611	+16%	$1,557
Start of 2022	$2,306	+277%	$2,004
Start of 2023	$944	−59%	$1,641
Start of 2024	$1,722	+82%	$2,072
Start of 2025	$5,833	+239%	$2,591
Start of 2026	$5,111	−12%	$3,054
Today	$4,149	−19%	$3,451

Values at the start of each year (first trading day for stocks). The S&P 500 column includes reinvested dividends, like the stock values.

Historical Context

At the start of 2019, XRP was priced at $0.36. $1,000 would have bought about 2,778 XRP. XRP is the native token of the XRP Ledger, launched in 2012 and closely associated with the payments company Ripple.

Measured from one January to the next, XRP's best year since then was 2021 (+277%) and its worst was 2022 (−59%). Holding on wasn't easy: between the start of 2022 and the start of 2023, the position fell 59% from its high.

Frequently Asked Questions

A $1,000 investment in XRP at the start of 2019 would be worth approximately $4,149.17 today — a 4.15x return ($3,149.17 profit) over 7.7 years.

Methodology & Sources

Price data: Historical prices are the January 1 opening price, from CoinGecko, CoinMarketCap and Yahoo Finance historical data. Current prices come from Yahoo Finance (CoinGecko as a backup) and refresh hourly; if that source is unavailable, the last saved price is used.

Calculation: Assumes a single purchase at the start of 2019 (or the first trading day, for companies that listed that year), held until today. No transaction fees, taxes, or slippage are included.

Benchmarks: The S&P 500 comparison uses the S&P 500 Total Return index (dividends reinvested, like an index fund) at the start of2019 and today. Gold uses the price per troy ounce. Savings account assumes a 2% APY compounded annually.

Inflation adjustment: Uses U.S. CPI-U annual averages from the Bureau of Labor Statistics. The 2026 CPI value is estimated.

Educational purposes only. Past performance does not guarantee future results. Not financial advice.