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Albania
29
Moderate
Risk
Risk
#122
of 171
Safer
than 29% of currencies
36
global avg score
$899
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 3.6% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓
Economic Indicators
Inflation Rate
2.1%
Debt to GDP
50.0%
GDP Growth
3.8%
Broad Money / GDP
70.9%
Banking & Stability
NPL Ratio
3.6%
Reserve Months
7.2
Current Account
-0.5%
FX Volatility
11.9
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
14.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
75.0%
Savings Impact Calculator
ALL
Holding cash in ALL2.1% inflation
ALL 899−ALL 101 (10% purchasing power lost)
Your ALL 1,000 buys 10% less in 5 years
What if you invested ALL 1,000 instead? (5yr, in ALL terms)
Hold USD Cash
ALL 859
−ALL 141
-3.0%/yr net in ALL
S&P 500
ALL 1611
+ALL 611
range: ALL 734–ALL 3176
10% USD return + 0.0% FX · ±16% vol
Gold
ALL 1469
+ALL 469
range: ALL 418–ALL 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
ALL 3052
+ALL 2052
range: ALL 180–ALL 18.4k
25% USD return + 0.0% FX · ±54% vol
All values in ALL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Albania (2.1%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Data last updated: 2026-08-19