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Georgia
31
Moderate
Risk
Risk
#111
of 171
Safer
than 35% of currencies
36
global avg score
$827
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 5.4% 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
3.9%
Debt to GDP
40.1%
GDP Growth
7.5%
Broad Money / GDP
55.1%
Banking & Stability
NPL Ratio
2.5%
Reserve Months
3.0
Current Account
-2.6%
FX Volatility
11.1
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
8.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
free float
Data Coverage
75.0%
Savings Impact Calculator
GEL
Holding cash in GEL3.9% inflation
GEL 827−GEL 173 (17% purchasing power lost)
Your GEL 1,000 buys 17% less in 5 years
What if you invested GEL 1,000 instead? (5yr, in GEL terms)
USD-denominated assets gain an additional ~0.9%/yr from expected GEL depreciation vs USD
Hold USD Cash
GEL 898
−GEL 102
-2.1%/yr net in GEL
S&P 500
GEL 1675
+GEL 675
range: GEL 768–GEL 3287
10% USD return + 0.9% FX · ±16% vol
Gold
GEL 1529
+GEL 529
range: GEL 440–GEL 4141
8% USD return + 0.9% FX · ±24% vol
Bitcoin
GEL 3159
+GEL 2159
range: GEL 192–GEL 18.8k
25% USD return + 0.9% FX · ±54% vol
All values in GEL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.9%/yr based on the inflation differential between Georgia (3.9%) 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: 2026-07-05