$1,000 in XRP in 2024

A $1,000 investment in XRP (XRP) made in January 2024 would be worth about $2,198 as of May 2026 (latest complete month) — a ×2.2 return, or +40.1% per year. Adjusted for US inflation (CPI), that equals $2,038 in 2024 dollars. The same $1,000 in the S&P 500 with dividends reinvested would have grown to $1,571.

In plain terms: after stripping out +7.8% US inflation since January 2024, today's $2,198 buys roughly what $2,038 bought back in 2024 — a ×2 gain in actual purchasing power.

XRP is the token of Ripple, aimed at cross-border payments for financial institutions. Its price spent years under the shadow of the SEC lawsuit filed in December 2020 and re-rated sharply after Ripple's partial court victory in 2023. It is one of the oldest large-cap crypto assets.

Data as of · updated weekly

Worth today
$2,198
×2.2 · +40.1%/yr
Inflation-adjusted
$2,038
in 2024 dollars
S&P 500 instead
$1,571
same period, dividends reinvested
Gold instead
$2,247
same period, futures price

The actual numbers: XRP since 2024

XRP price in January 2024$0.63
XRP price as of May 2026$1.38
Nominal return×2.2 (+40.1%/yr)
US CPI inflation since January 2024+7.8%
Real (inflation-adjusted) return×2 (+35.7%/yr)
Same money in the S&P 500$1,571

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

What happened in 2024

2024 was the legitimization year: US spot Bitcoin ETFs approved in January, the fourth halving in April, and new all-time highs. Crypto returns began tracking ETF flows more than retail manias.

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Year
Month
Worth today
$2,198
×2.2 · +40.1%/yr
Inflation-adjusted
$2,038
in 2024 dollars
S&P 500 instead
$1,571
dividends reinvested
Gold instead
$2,247
same period

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

FAQ: XRP returns since 2024

How much would $1,000 invested in XRP in 2024 be worth today?

About $2,198 as of May 2026 — a ×2.2 return. Adjusted for inflation, that equals $2,038 in 2024 dollars. This assumes a one-time purchase in January 2024 at $0.63 and never selling.

What does “inflation-adjusted” mean here?

US consumer prices rose +7.8% between January 2024 and May 2026 (CPI). So $2,198 today buys roughly what $2,038 bought in 2024. We deflate by CPI to show the gain in actual purchasing power.

Did XRP beat the S&P 500 since 2024?

Yes. $1,000 in XRP grew to $2,198, versus $1,571 for the same money in the S&P 500 with dividends reinvested over the same period.

What was the average annual return of XRP since 2024?

+40.1% per year nominal (CAGR over 2.3 years), or +35.7% 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.

XRP in other years

201420152016201720182019202020212022202320242025

Other assets in 2024

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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.