What if you'd held SOFI?
A $1,000 investment in SoFi Technologies, Inc. (SOFI) at the month-end close of 2021-01 would be worth $583 at the close on 2026-10-16: a -41.7% price return. Through September 2026, the latest month the fund has reported, the same $1,000 became $629 in SOFI and $2,231 in an S&P 500 index fund (TSP C Fund). The fund figure includes reinvested dividends; the stock figure does not, so the comparison favors the fund.
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 and held to the latest close.
Every year, $1,000 from 2021
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2021 | $1,000 | — |
| 2022 | $292 | -70.8% |
| 2023 | $630 | +115.8% |
| 2024 | $974 | +54.7% |
| 2025 | $1,658 | +70.2% |
| 2026 | $922 | -44.4% |
Best and worst month to buy
The best month to have bought SOFI was 2022-12, at a close of $4.61: $1,000 then is $3,158 today. The worst was 2025-11, at $29.71: $1,000 then is $490.
FAQ
What would $1,000 in SOFI be worth today?
About $583 at the latest close, a price return of -41.7%. That is $1,000 put into SOFI at the 2021-01 month-end close, the first in this price history.
What were the best and worst years for SOFI?
SOFI's best calendar year since 2021 was 2023, with a +115.8% return: $1,000 invested at the start of that year became about $2,158. Its worst year was 2022, at -70.8%.
Does the calculator include dividends and splits?
Splits only. Price return: adjusted for stock splits, dividends not included. Prices are split-adjusted automatically; a ticker whose history we could not adjust with confidence starts later or is not shown.
How much would $100 per month in SOFI have grown?
To about $9,936 from $7,000 invested, putting in $100 at every monthly close since 2021-01.
Did SOFI beat the S&P 500?
No. From the January 2021 month-end through September 2026, SOFI trailed an S&P 500 index fund by 71.8%: $1,000 in the fund (the TSP C Fund, dividends included) became $2,231, and $1,000 in SOFI (price only) became $629. The fund's monthly returns are published at tsp.gov.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number here is a historical calculation, and past performance never guarantees future results.
Methodology
The figures on this page use SOFI's historical price data from 2021-01 to 2026-10. The tables and the calculator above use month-end closes.
Prices come from IEX Historical Data. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest close. Amounts in other currencies are converted at month-end exchange rates published by the European Central Bank and, for earlier years, the Federal Reserve: into US dollars at the buy date's rate and back at the sell date's rate, so the return includes the currency move.
Prices are the last regular-session trade on IEX (Investors Exchange) each day, which can differ slightly from the official close. Month-end closes miss the highs and lows inside a month. Figures ignore taxes, fees and the currency effects of non-USD listings.
What if you'd held…
Prices as of the last IEX trade on 2026-10-16. Data delayed end-of-day.