$1,000 in Monero in 2020

A $1,000 investment in Monero (XMR) made in January 2020 would be worth about $8,306 as of May 2026 (latest complete month) — a ×8.3 return, or +39.7% per year. Adjusted for US inflation (CPI), that equals $6,444 in 2020 dollars. The same $1,000 in the S&P 500 with dividends reinvested would have grown to $2,453.

In plain terms: after stripping out +28.9% US inflation since January 2020, today's $8,306 buys roughly what $6,444 bought back in 2020 — a ×6.4 gain in actual purchasing power.

Monero is the leading privacy coin: transactions hide sender, receiver and amount by default. Launched in 2014, XMR has survived repeated exchange delistings driven by regulation — a constraint on liquidity that has never quite killed the persistent demand for private money.

Data as of · updated weekly

Worth today
$8,306
×8.3 · +39.7%/yr
Inflation-adjusted
$6,444
in 2020 dollars
S&P 500 instead
$2,453
same period, dividends reinvested
Gold instead
$3,054
same period, futures price

The actual numbers: Monero since 2020

XMR price in January 2020$45.66
XMR price as of May 2026$379.28
Nominal return×8.3 (+39.7%/yr)
US CPI inflation since January 2020+28.9%
Real (inflation-adjusted) return×6.4 (+34.2%/yr)
Same money in the S&P 500$2,453

Methodology: start-of-month prices, one-time purchase, no fees or taxes assumed. Full methodology.

What happened in 2020

2020 began with the COVID crash — Bitcoin halved in days that March — then turned into the start of an institutional bull market: the third halving, MicroStrategy and PayPal entering, and DeFi summer on Ethereum.

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Year
Month
Worth today
$8,306
×8.3 · +39.7%/yr
Inflation-adjusted
$6,444
in 2020 dollars
S&P 500 instead
$2,453
dividends reinvested
Gold instead
$3,054
same period

Monero vs S&P 500 total return vs uninvested cash eroded by CPI. Monthly grid, start-of-month prices.

FAQ: Monero returns since 2020

How much would $1,000 invested in Monero in 2020 be worth today?

About $8,306 as of May 2026 — a ×8.3 return. Adjusted for inflation, that equals $6,444 in 2020 dollars. This assumes a one-time purchase in January 2020 at $45.66 and never selling.

What does “inflation-adjusted” mean here?

US consumer prices rose +28.9% between January 2020 and May 2026 (CPI). So $8,306 today buys roughly what $6,444 bought in 2020. We deflate by CPI to show the gain in actual purchasing power.

Did Monero beat the S&P 500 since 2020?

Yes. $1,000 in Monero grew to $8,306, versus $2,453 for the same money in the S&P 500 with dividends reinvested over the same period.

What was the average annual return of Monero since 2020?

+39.7% per year nominal (CAGR over 6.3 years), or +34.2% per year after CPI inflation.

Where does the data come from?

Crypto prices: Coin Metrics community data and Binance public market data. S&P 500: total-return index (^SP500TR). Inflation: US CPI (CPIAUCSL) from FRED. All series use a monthly grid and refresh weekly.

Monero in other years

201420152016201720182019202020212022202320242025

Other assets in 2020

Bitcoin BTCEthereum ETHSolana SOLDogecoin DOGECardano ADAXRP XRPLitecoin LTCBNB BNB

Educational purposes only — not investment advice and not a recommendation to buy or sell any asset. Past performance is not indicative of future results. Calculations assume a one-time purchase at the start-of-month price, no fees, no taxes and no selling.