Try your own numbers
it would be worth today
$713.48
−$286.52 loss0.71x-17.6% a year
The same $1,000 in an S&P 500 index fund: $1,332
No tax on a loss. Selling can offset tax on other gains.
Growth Over Time
Performance Metrics
Total Invested
$1,000.00
Current Value
$713.48
Total Loss
−$286.52
Multiplier
0.71x
CAGR
-17.6%
Max Drawdown
-65.7%
Inflation-Adjusted
$700.34
Benchmark Comparison
How does $1,000.00 invested in 2025 compare across different asset classes?
| Asset | Value Today | Return |
|---|---|---|
| XRP | $713.48 | 0.71x |
| S&P 500 | $1,332.28 | 1.33x |
| Gold | $1,603.32 | 1.60x |
| Savings (2% APY) | $1,035.13 | 1.04x |
Back in 2025
- In April 2025, Ripple agreed to acquire prime brokerage Hidden Road for $1.25 billion, one of the largest deals in the digital asset industry. coindesk.com
- In 2025, a gallon of gas averaged $3.10 and the new iPhone 17 Pro started at $1,099. eia.govapple.com
- During 2025 itself, XRP fell 12%, #90 of the 114 investments we track. The best was Robinhood (+192%); the worst was Polkadot (−73%). Full 2025 results →
$1,000 in XRP, year by year
Of the 114 investments we track that were available at the start of 2025, XRP ranks #91 by growth to today, in the bottom quarter — just behind Chainlink and ahead of Bitcoin Cash. See the full 2025 ranking →
XRP started 2025 8.7% below its start-of-2018 high, after rising 239% in 2024. It has been worth less than the $1,000 put in at every January since, and still is today. Its best January was 2026, at $876.19. Today it's 19% below that, so selling then would have beaten holding. It has trailed the same $1,000 in the S&P 500 at every January since, and still does. Month by month, the deepest fall ran from Jul 2025 ($1,448) to Jun 2026 ($496.88), a drop of 66%. At its lowest month-end, in Jun 2026, it was worth $496.88.
| When | Worth | Change | S&P 500 |
|---|---|---|---|
| Start of 2025 | $1,000 | — | $1,000 |
| Start of 2026 | $876 | −12% | $1,179 |
| Today | $713 | −19% | $1,332 |
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 2025, XRP was priced at $2.10. $1,000 would have bought about 476 XRP. XRP is the native token of the XRP Ledger, launched in 2012 and closely associated with the payments company Ripple.
Frequently Asked Questions
A $1,000 investment in XRP at the start of 2025 would be worth approximately $713.48 today — a 0.71x return ($286.52 loss) over 1.7 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 2025 (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 of2025 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.
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$1,000 in XRP, by year
$1,000 in XRP:1 year ago5 years ago
Compare:XRP vs Bitcoin