What if you'd held XRP-USD?
A $1,000 investment in XRP (XRP-USD) at the month-end close of 2017-11 would be worth $4,414 at the close of 2026-08 — +341.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $2,911.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included. Click any year for the full story.
Every year, $1,000 from 2017
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2017 | $1,000 | — |
| 2018 | $153 | -84.7% |
| 2019 | $83.88 | -45.3% |
| 2020 | $95.61 | +14.0% |
| 2021 | $361 | +277.7% |
| 2022 | $148 | -59.1% |
| 2023 | $267 | +80.9% |
| 2024 | $904 | +238.2% |
| 2025 | $800 | -11.5% |
| 2026 | $482 | -39.8% |
Best and worst month-end to buy
The best single month-end close to have bought XRP-USD was 2020-03 ($0.17): $1,000 then is $6,331 today. The worst was 2025-01 ($3.04): $1,000 then is $365.
FAQ
What would $1,000 in XRP-USD be worth today?
A $1,000 investment in XRP (XRP-USD) at the start of 2017 would be worth about $4,414 today, a total return of +341.4%. Dividends are reinvested in these figures.
What were the best and worst years for XRP-USD?
XRP (XRP-USD)'s strongest calendar year since 2017 was 2021, a +277.7% return — $1,000 held through that year became about $3,777 by year-end. Its weakest year was 2018, at -84.7%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in XRP-USD have grown?
Investing $100 at the end of every month since 2017-11 would have grown to about $24,060 on $10,600 invested.
Did XRP-USD beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $2,911. XRP-USD beat the S&P 500 by +51.6% in total return.
Is this investment advice?
No. What If I'd Held is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
XRP (XRP-USD) historical total-return data from 2017-11 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. What If I'd Held is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.