Monero Investment Calculator
What would buying XMR have been worth? Pick a plan and a start date and this replays it against real daily Monero closes.
What XMR actually did, in the data this page replays
Measured from the 365 daily closes this page replays — 14 September 2025 to 13 September 2026, from CoinGecko. Figures are bounded by that window, not by the asset’s whole life.
| History available | 12 months (from CoinGecko) |
|---|---|
| Bought on the first day, held to the last | 1.88× |
| Highest close in this window | $705.59 on 15 January 2026 |
| Where it sits against that high | 23.5% below |
| Deepest fall | −58.6%, 15 January 2026 → 6 February 2026 |
| Time to get back to that peak | still below it |
| Separate falls of 50% or more | 1 |
| Days spent more than 20% below a previous peak | 65.2% |
| Best calendar year (partial) | 2025: +53.3% |
| Worst calendar year (partial) | 2026: 24.6% |
| Annualised volatility | 83.9% |
XMR year by year
First close to last close each year. 2025 and 2026 are partial — the data starts mid-2025 and 2026 is still running.
| Year | Change | Note |
|---|---|---|
| 2025 | +53.3% | partial year |
| 2026 | +24.6% | partial year |
The part the calculator does not show you
Held from the first day in this data to the last, XMR returned 1.88×. That headline is the easy part. The number underneath it is that the position spent 65.2% of all days more than 20% below a previous peak — so for most of the time you owned it, you were looking at a figure lower than one you had already seen.
The deepest fall took XMR down 58.6%, from $705.59 on 15 January 2026 to $292.32 on 6 February 2026 — 22 days of falling. XMR has not been back to that peak since. Anyone who bought on 15 January 2026 is still waiting, 11 months later — which is the scenario a backtest showing a positive average return quietly averages away.
One caveat specific to XMR: we only hold 12 months of daily closes for it, which is not enough to cover a full cycle. Any result the calculator gives you is a statement about one short stretch of an unusually eventful market, and the confidence you can place in it is correspondingly low. The coins on this site with six or more years of history give far more meaningful answers.
83.9% annualised volatility is ordinary for a major crypto asset and still several times a stock index. All XMR calculators →
Frequently asked questions
＋Would buying XMR on the first day of this data and holding have made money?
Yes — 1.88× from 14 September 2025 to 13 September 2026. The figure is real but it is also the single luckiest entry available in this window, and it required holding through a fall of 58.6% on the way. Set the calculator to a date you might plausibly have chosen instead and the answer usually changes a great deal.
＋What is the worst XMR has fallen?
58.6% in this data, from 15 January 2026 down to 6 February 2026 — 22 days of falling. It has not returned to that peak since, so anyone who bought at the top is still waiting. Bear in mind our XMR series starts in 2025; a deeper fall before that date would not appear here.
＋How much time does XMR spend below its previous high?
65.2% of all days in this window sat more than 20% below a previous peak. Put another way, for most of the time you would have owned it, the screen showed a number lower than one you had already seen — which is the part of a backtest's headline return that the headline never conveys.
＋What were XMR's best and worst years?
2025 was the best at +53.3% (a partial year in our data), and 2026 the worst at 24.6% (also partial). The gap between those two is the reason a single average annual return is a poor description of this asset: almost nobody experiences the average, they experience one of the two extremes depending on when they bought.
＋Is 12 months of data enough to trust this backtest?
No, and that is the honest answer for XMR specifically. 12 months does not cover a full market cycle, so any result here describes one short stretch rather than a pattern. Treat it as a record of what happened, not as evidence about what tends to happen.
What to keep in mind for XMR
XMR reacts to exchange delistings and regulatory news more sharply than to the general market — several of its largest single-day moves have had nothing to do with Bitcoin.
Monero transactions are larger than Bitcoin's because of the privacy machinery, but fees stay low. Note that XMR is not listed on Binance, so liquidity sits on other venues and spreads can be wider.
A backtest is one path that already happened. It shows what this plan produced through the exact sequence of prices XMR went through — not what a similar plan will produce through a sequence nobody has seen yet.