$1,000 in Monero in 2021

A $1,000 investment in Monero (XMR) made in January 2021 would be worth about $2,779 as of May 2026 (latest complete month) — a ×2.8 return, or +21.1% per year. Adjusted for US inflation (CPI), that equals $2,186 in 2021 dollars. The same $1,000 in the S&P 500 with dividends reinvested would have grown to $2,076.

In plain terms: after stripping out +27.1% US inflation since January 2021, today's $2,779 buys roughly what $2,186 bought back in 2021 — a ×2.2 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
$2,779
×2.8 · +21.1%/yr
Inflation-adjusted
$2,186
in 2021 dollars
S&P 500 instead
$2,076
same period, dividends reinvested
Gold instead
$2,425
same period, futures price

The actual numbers: Monero since 2021

XMR price in January 2021$136.46
XMR price as of May 2026$379.28
Nominal return×2.8 (+21.1%/yr)
US CPI inflation since January 2021+27.1%
Real (inflation-adjusted) return×2.2 (+15.8%/yr)
Same money in the S&P 500$2,076

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

What happened in 2021

2021 was the peak of the everything-rally: Bitcoin hit $69,000 in November, Ethereum $4,800, Dogecoin did a 100× into May, and memecoins minted and destroyed fortunes within months. Most assets bought mid-2021 were deeply underwater within a year.

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Year
Month
Worth today
$2,779
×2.8 · +21.1%/yr
Inflation-adjusted
$2,186
in 2021 dollars
S&P 500 instead
$2,076
dividends reinvested
Gold instead
$2,425
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 2021

How much would $1,000 invested in Monero in 2021 be worth today?

About $2,779 as of May 2026 — a ×2.8 return. Adjusted for inflation, that equals $2,186 in 2021 dollars. This assumes a one-time purchase in January 2021 at $136.46 and never selling.

What does “inflation-adjusted” mean here?

US consumer prices rose +27.1% between January 2021 and May 2026 (CPI). So $2,779 today buys roughly what $2,186 bought in 2021. We deflate by CPI to show the gain in actual purchasing power.

Did Monero beat the S&P 500 since 2021?

Yes. $1,000 in Monero grew to $2,779, versus $2,076 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 2021?

+21.1% per year nominal (CAGR over 5.3 years), or +15.8% 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 2021

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.