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Indonesia

Indonesian Rupiah (IDR)

29
Moderate
Risk
#123
of 171
Safer
than 28% of currencies
36
global avg score
$910
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 3.4% 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
1.9%
Debt to GDP
30.0%
GDP Growth
5.1%
Broad Money / GDP
42.5%

Banking & Stability

NPL Ratio
1.9%
Reserve Months
5.5
Current Account
-0.1%
FX Volatility
18.5

Governance & Markets

Rule of Law
-0.2
Black Market Premium
Not available
Capital Controls
5.8
Peg Fragility
Not available

Currency Structure

Global Currency Role
70.0
FX Regime
free float
Data Coverage
83.0%

Savings Impact Calculator

Rp
Holding cash in IDR1.9% inflation
Rp910−Rp90 (9% purchasing power lost)
Your Rp1,000 buys 9% less in 5 years
What if you invested Rp1,000 instead? (5yr, in IDR terms)
Hold USD Cash
Rp859
−Rp141
-3.0%/yr net in IDR
S&P 500
Rp1611
+Rp611
range: Rp734–Rp3176
10% USD return + 0.0% FX · ±16% vol
Gold
Rp1469
+Rp469
range: Rp418–Rp4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
Rp3052
+Rp2052
range: Rp180–Rp18.4k
25% USD return + 0.0% FX · ±54% vol

All values in IDR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Indonesia (1.9%) 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: 2026-10-02

Note: World Bank does not cover this country directly. Data sourced from national statistics and IMF estimates.

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