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Moldova
38
Moderate
Risk
Risk
#61
of 171
Riskier
than 65% of currencies
36
global avg score
$688
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 9.3% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
7.8%
Debt to GDP
34.3%
GDP Growth
2.4%
Broad Money / GDP
53.9%
Banking & Stability
NPL Ratio
4.2%
Reserve Months
5.4
Current Account
-19.6%
FX Volatility
11.4
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
24.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
75.0%
Savings Impact Calculator
MDL
Holding cash in MDL7.8% inflation
MDL 688−MDL 312 (31% purchasing power lost)
Your MDL 1,000 buys 31% less in 5 years
What if you invested MDL 1,000 instead? (5yr, in MDL terms)
USD-denominated assets gain an additional ~4.8%/yr from expected MDL depreciation vs USD
Hold USD Cash
MDL 1091
+MDL 91
+1.8%/yr net in MDL
S&P 500
MDL 1990
+MDL 990
range: MDL 939–MDL 3823
10% USD return + 4.8% FX · ±16% vol
Gold
MDL 1823
+MDL 823
range: MDL 551–MDL 4784
8% USD return + 4.8% FX · ±24% vol
Bitcoin
MDL 3679
+MDL 2679
range: MDL 250–MDL 21.0k
25% USD return + 4.8% FX · ±54% vol
All values in MDL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~4.8%/yr based on the inflation differential between Moldova (7.8%) 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: 2026-07-05