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Ghana
47
Moderate
Risk
Risk
#29
of 171
Riskier
than 84% of currencies
37
global avg score
$357
$1,000 in 5 years
Impact on Citizens
Citizens need their money to grow at least 24.3% per year to not lose purchasing power. Every GHS 100 saved today will only buy 81 worth of goods next year.See savings calculator ↓
Economic Indicators
Inflation Rate
22.8%
Debt to GDP
Not available
GDP Growth
5.6%
Broad Money / GDP
30.2%
Banking & Stability
NPL Ratio
20.6%
Reserve Months
1.6
Current Account
2.0%
FX Volatility
20.8
Governance & Markets
Rule of Law
0.0
Black Market Premium
Not available
Capital Controls
21.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
free float
Data Coverage
75.0%
Savings Impact Calculator
GHS
Holding cash in GHS22.8% inflation
GHS 357−GHS 643 (64% purchasing power lost)
Your GHS 1,000 buys 64% less in 5 years
What if you invested GHS 1,000 instead? (5yr, in GHS terms)
USD-denominated assets gain an additional ~19.8%/yr from expected GHS depreciation vs USD
Hold USD Cash
GHS 2178
+GHS 1178
+16.8%/yr net in GHS
S&P 500
GHS 3691
+GHS 2691
range: GHS 1913–GHS 6599
10% USD return + 19.8% FX · ±16% vol
Gold
GHS 3416
+GHS 2416
range: GHS 1208–GHS 8073
8% USD return + 19.8% FX · ±24% vol
Bitcoin
GHS 6376
+GHS 5376
range: GHS 619–GHS 31.1k
25% USD return + 19.8% FX · ±54% vol
All values in GHS. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~19.8%/yr based on the inflation differential between Ghana (22.8%) 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: 2026-05-19