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Honduras
32
Moderate
Risk
Risk
#107
of 171
Safer
than 38% of currencies
36
global avg score
$799
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.1% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.6%
Debt to GDP
Not available
GDP Growth
3.8%
Broad Money / GDP
74.2%
Banking & Stability
NPL Ratio
2.7%
Reserve Months
5.3
Current Account
2.4%
FX Volatility
6.7
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
28.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
67.0%
Savings Impact Calculator
HNL
Holding cash in HNL4.6% inflation
HNL 799−HNL 201 (20% purchasing power lost)
Your HNL 1,000 buys 20% less in 5 years
What if you invested HNL 1,000 instead? (5yr, in HNL terms)
USD-denominated assets gain an additional ~1.6%/yr from expected HNL depreciation vs USD
Hold USD Cash
HNL 932
−HNL 68
-1.4%/yr net in HNL
S&P 500
HNL 1731
+HNL 731
range: HNL 798–HNL 3382
10% USD return + 1.6% FX · ±16% vol
Gold
HNL 1581
+HNL 581
range: HNL 459–HNL 4256
8% USD return + 1.6% FX · ±24% vol
Bitcoin
HNL 3252
+HNL 2252
range: HNL 202–HNL 19.2k
25% USD return + 1.6% FX · ±54% vol
All values in HNL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.6%/yr based on the inflation differential between Honduras (4.6%) 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: 2026-10-05