USA

Costco savings plan: what would your monthly amount be worth?

Q: How often did a 10-year plan pay off?

99.7% of periods ended in profit. Best start: Apr 1990 (4.7× what was paid in). Worst start: Feb 1999 (1× what was paid in).

Q: Monthly plan or all at once?

Monthly plan: $15,544. All at the start: $36,918. When prices rise, investing everything at once usually wins. A monthly plan spreads the risk of a bad entry over many points in time.

With $50 a month since Nov 2016 you'd have $15,544 today, having paid in $6,000.

Nov 2016Oct 2026

Savings plan table

Monthly amount and time frame, each calculated up to today.

	5 years	10 years	20 years
$25 a month	$2,013$1,500 paid in	$7,772$3,000 paid in	$42,403$6,000 paid in
$50 a month	$4,027$3,000 paid in	$15,544$6,000 paid in	$84,807$12,000 paid in
$100 a month	$8,053$6,000 paid in	$31,088$12,000 paid in	$169,614$24,000 paid in

How often did a 10-year plan pay off?

We calculated every possible 10-year period since Jul 1986 (364 start months).

99.7%

of periods ended in profit

Best start

Apr 1990

4.7× what was paid in

Worst start

Feb 1999

1× what was paid in

Typical (median): 2.2× what was paid in

Monthly plan or all at once?

Same money over the last 10 years: $6,000 either spread monthly or invested at the start.

Monthly plan

$15,544

All at the start

$36,918

When prices rise, investing everything at once usually wins. A monthly plan spreads the risk of a bad entry over many points in time.

Calculate your own More about Costco

Values in USD, month-start prices, excluding dividends, costs and taxes. Past performance is no guarantee.