What was XRP's compound annual growth rate (CAGR) since 2024?

XRP's CAGR from 2024 to September 2026 was 37.9% 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 2024?

The same $1,000 invested in an S&P 500 index fund in 2024 would be worth approximately $1,666.43 today. XRP outperformed the index by $750.35 — 1.45x the return of the S&P 500.

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

Sold today, the $1,416.77 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $2,204.26. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $2,079.58, 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 2024?

Adjusted for cumulative US inflation since 2024, the real purchasing-power value of the XRP position is approximately $2,329.30 in 2024 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did XRP perform in 2024?

XRP rose 239% during 2024, from $0.62 at the start of the year to $2.10 at the start of 2025.

What If You Invested $1,000 in XRP in 2024?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$2,417

+$1,417 profit2.42x37.9% a year

The same $1,000 in an S&P 500 index fund: $1,666

Aftertax on the gain, you’d keep$2,204

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

$2,416.77

Total Profit

$1,416.77

Multiplier

2.42x

CAGR

37.9%

Max Drawdown

-65.8%

Inflation-Adjusted

$2,329.30

Benchmark Comparison

How does $1,000.00 invested in 2024 compare across different asset classes?

Asset	Value Today	Return
XRP	$2,416.77	2.42x
S&P 500	$1,666.43	1.67x
Gold	$2,036.45	2.04x
Savings (2% APY)	$1,055.87	1.06x

Back in 2024

In December 2024, Ripple began rolling out RLUSD, its own U.S. dollar stablecoin, on the XRP Ledger and Ethereum after receiving New York regulatory approval. coindesk.com
In 2024, a gallon of gas averaged $3.30 and the new iPhone 16 Pro started at $999. eia.gov apple.com
During 2024 itself, XRP rose 239%, #4 of the 114 investments we track. The best was Palantir (+353%); the worst was Intel (−57%). Full 2024 results →

$1,000 in XRP, year by year

Of the 114 investments we track that were available at the start of 2024, XRP ranks #21 by growth to today — just behind BNB and ahead of Datadog. See the full 2024 ranking →

XRP started 2024 73% below its start-of-2018 high, after rising 82% in 2023. 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 $3,387. Today it's 29% below that, so selling then would have beaten holding. It rose in 1 of the 2 full years since. It has been ahead of the same $1,000 in the S&P 500 at every January since, and still is. Month by month, the deepest fall ran from Jan 2025 ($4,920) to Jun 2026 ($1,683), a drop of 66%. At its lowest month-end, in Jun 2024, it was worth $770.66.

When	Worth	Change	S&P 500
Start of 2024	$1,000	—	$1,000
Start of 2025	$3,387	+239%	$1,250
Start of 2026	$2,968	−12%	$1,474
Today	$2,417	−19%	$1,666

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 2024, XRP was priced at $0.62. $1,000 would have bought about 1,613 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 2024 (+239%) and its worst was 2025 (−12%).

Frequently Asked Questions

A $1,000 investment in XRP at the start of 2024 would be worth approximately $2,416.77 today — a 2.42x return ($1,416.77 profit) over 2.7 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 2024 (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 of2024 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.