What was XRP's compound annual growth rate (CAGR) since 2020?

XRP's CAGR from 2020 to September 2026 was 35.7% 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 2020?

The same $1,000 invested in an S&P 500 index fund in 2020 would be worth approximately $2,624.85 today. XRP outperformed the index by $5,228.84 — 2.99x the return of the S&P 500.

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

Sold today, the $6,853.68 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $6,825.63. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $6,222.51, 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 2020?

Adjusted for cumulative US inflation since 2020, the real purchasing-power value of the XRP position is approximately $6,234.77 in 2020 dollars. Even after inflation, this is an extraordinary real return — inflation only marginally reduces gains of this magnitude.

How did XRP perform in 2020?

XRP rose 16% during 2020, from $0.19 at the start of the year to $0.22 at the start of 2021.

What If You Invested $1,000 in XRP in 2020?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$7,854

+$6,854 profit7.85x35.7% a year

The same $1,000 in an S&P 500 index fund: $2,625

Aftertax on the gain, you’d keep$6,826

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

$7,853.68

Total Profit

$6,853.68

Multiplier

7.85x

CAGR

35.7%

Max Drawdown

-79.4%

Inflation-Adjusted

$6,234.77

Benchmark Comparison

How does $1,000.00 invested in 2020 compare across different asset classes?

Asset	Value Today	Return
XRP	$7,853.68	7.85x
S&P 500	$2,624.85	2.62x
Gold	$2,778.51	2.78x
Savings (2% APY)	$1,142.92	1.14x

Back in 2020

In December 2020, the SEC sued Ripple and two executives, alleging they raised over $1.3 billion through unregistered sales of XRP. sec.gov
In 2020, a gallon of gas averaged $2.17 and the new iPhone 12 Pro started at $999. eia.gov apple.com
During 2020 itself, XRP rose 16%, #71 of the 103 investments we track. The best was Tesla (+747%); the worst was AMC Entertainment (−73%). Full 2020 results →

$1,000 in XRP, year by year

Of the 103 investments we track that were available at the start of 2020, XRP ranks #20 by growth to today — just behind Chainlink and ahead of Cardano. See the full 2020 ranking →

XRP started 2020 92% below its start-of-2018 high, after falling 47% in 2019. It has been worth more than the $1,000 put in at every January since, and still is today. Its best January was 2025, at $11,053. Today it's 29% below that, so selling then would have beaten holding. It rose in 4 of the 6 full years since. It moved ahead of the same $1,000 in the S&P 500 at the start of 2022 and has stayed ahead since. Month by month, the deepest fall ran from Apr 2021 ($8,383) to Aug 2022 ($1,727), a drop of 79%. At its lowest month-end, in Mar 2020, it was worth $919.43.

When	Worth	Change	S&P 500
Start of 2020	$1,000	—	$1,000
Start of 2021	$1,158	+16%	$1,184
Start of 2022	$4,368	+277%	$1,524
Start of 2023	$1,789	−59%	$1,248
Start of 2024	$3,263	+82%	$1,576
Start of 2025	$11,053	+239%	$1,970
Start of 2026	$9,684	−12%	$2,322
Today	$7,854	−19%	$2,625

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 2020, XRP was priced at $0.19. $1,000 would have bought about 5,263 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 2020 would be worth approximately $7,853.68 today — a 7.85x return ($6,853.68 profit) over 6.7 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 2020 (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 of2020 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.