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Moldova
38
Moderate
Risk
Risk
#70
of 171
Riskier
than 59% of currencies
37
global avg score
$796
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.2% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.7%
Debt to GDP
34.3%
GDP Growth
0.1%
Broad Money / GDP
52.4%
Banking & Stability
NPL Ratio
5.6%
Reserve Months
5.7
Current Account
-16.6%
FX Volatility
5.1
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 MDL4.7% inflation
MDL 796−MDL 204 (20% purchasing power lost)
Your MDL 1,000 buys 20% less in 5 years
What if you invested MDL 1,000 instead? (5yr, in MDL terms)
USD-denominated assets gain an additional ~1.7%/yr from expected MDL depreciation vs USD
Hold USD Cash
MDL 936
−MDL 64
-1.3%/yr net in MDL
S&P 500
MDL 1737
+MDL 737
range: MDL 802–MDL 3393
10% USD return + 1.7% FX · ±16% vol
Gold
MDL 1587
+MDL 587
range: MDL 462–MDL 4269
8% USD return + 1.7% FX · ±24% vol
Bitcoin
MDL 3262
+MDL 2262
range: MDL 203–MDL 19.3k
25% USD return + 1.7% FX · ±54% vol
All values in MDL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.7%/yr based on the inflation differential between Moldova (4.7%) 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: 2026-05-21