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Azerbaijan
27
Moderate
Risk
Risk
#132
of 171
Safer
than 23% of currencies
36
global avg score
$761
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 7.1% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
5.6%
Debt to GDP
6.4%
GDP Growth
1.4%
Broad Money / GDP
38.6%
Banking & Stability
NPL Ratio
2.0%
Reserve Months
5.0
Current Account
4.6%
FX Volatility
0.0
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
21.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
75.0%
Savings Impact Calculator
AZN
Holding cash in AZN5.6% inflation
AZN 761−AZN 239 (24% purchasing power lost)
Your AZN 1,000 buys 24% less in 5 years
What if you invested AZN 1,000 instead? (5yr, in AZN terms)
USD-denominated assets gain an additional ~2.6%/yr from expected AZN depreciation vs USD
Hold USD Cash
AZN 981
−AZN 19
-0.4%/yr net in AZN
S&P 500
AZN 1812
+AZN 812
range: AZN 842–AZN 3520
10% USD return + 2.6% FX · ±16% vol
Gold
AZN 1657
+AZN 657
range: AZN 488–AZN 4422
8% USD return + 2.6% FX · ±24% vol
Bitcoin
AZN 3386
+AZN 2386
range: AZN 216–AZN 19.8k
25% USD return + 2.6% FX · ±54% vol
All values in AZN. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~2.6%/yr based on the inflation differential between Azerbaijan (5.6%) 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