XRP Investment Since 2015 Could Have Funded Retirement

XRP has long been considered one of the leading utility tokens in the cryptocurrency market, but could regular investments into XRP over the past decade truly have paved the way for early retirement?

While some individuals are drawn to crypto for its excitement or as part of a diversified portfolio, others eye it as a possible escape from traditional work life. For this group, digital assets like XRP represent a financial pathway toward independence from the 9-to-5 grind. This desire for freedom underscores the increasing interest in whether consistent cryptocurrency investing can produce significant long-term returns, potentially leading to financial independence.

Admittedly, reaching such a milestone requires a combination of strategic decisions and a bit of luck. One might spend years investing in a project packed with utility, only to see minimal gains—while another may land life-changing returns from a small amount placed in a trend-driven token. Yet, smart investors gravitate toward assets with enduring real-world use cases, like Ethereum and XRP, viewing them as less volatile alternatives compared to meme-based coins.

To test this theory, we looked back to 2015. Suppose an investor decided to invest exactly $100 each week into XRP beginning in May 2015. This simple, consistent approach—known as Dollar Cost Averaging (DCA)—is a tried-and-tested strategy where investors commit the same amount at regular intervals regardless of price fluctuations. Using 2019 statistics, Americans spend about $1,497 per month on discretionary items like gourmet coffee, streaming services, and mobile apps. That breaks down to $374.25 weekly. Redirecting just a fraction of that—the weekly $100—into XRP could have yielded impressive results.

Utilizing Uphold’s DCA calculator, we computed what consistent weekly investments in XRP between May 2015 and June 2025 would look like. Over that decade, the investor would have spent a total of $53,600. The resulting portfolio, however, would now be worth an astonishing $3,588,980. That’s an enormous return on investment—roughly 6,595%.

But does this amount actually enable retirement? That hinges on several variables such as lifestyle choices, geographic location, and financial obligations. According to an April 2025 survey, the average American believes that retiring comfortably requires $1.26 million in savings.

That puts our hypothetical XRP investor’s $3.59 million portfolio well above the perceived threshold—nearly triple, in fact—making early retirement not only plausible but potentially generous in scope. In effect, following such a consistent strategy with XRP starting in 2015 could very well have enabled a financially secure and early exit from the workforce in 2025.

For those worried they’ve missed the boat, there is reason for optimism. A number of industry analysts maintain that XRP remains significantly undervalued. Their assessments suggest the token is poised for substantial growth, especially if it captures even a small share of the global cross-border payment systems currently dominated by legacy networks like SWIFT.

Starting a new DCA plan today might not mirror the gains seen in the past decade, but if these bullish projections materialize, investors could still witness impressive returns over the next ten years. That said, the hallmark warning in investments remains: past performance is not a promise of future success. Investors should always assess risk tolerance and conduct thorough research before committing to any financial strategy.

Related: Expert Advice: Sell XRP If You’re Confused

XRP has demonstrated that disciplined, regular investments in well-established utility tokens can pay off handsomely. For those seeking long-term financial freedom over speculative short-term gains, XRP may still be an asset worth watching closely.