News
SCMPChina-EU trade, Xi touts ‘global influence’, Nato summit·Economic TimesWorld food prices ease for second month in June·Bank of JapanOutput Gap, Potential Growth Rate, and Labor Market Indicators·Economic TimesSensex jumps 262 points, Nifty closes above 24,270. 7 key factors behind today's D-Street gains·SCMPAustralia expects to gain extra US$26 billion from exports after Iran war raises prices·NYTLatest Jobs Report Shows Labor Market Is Not a Source of Inflationary Pressure·NYTWhy the Jobs Market Has Wall Street and Washington on Edge·Bank of JapanJapanese Government Bonds Held by the Bank of Japan·SCMPChina-EU trade, Xi touts ‘global influence’, Nato summit·Economic TimesWorld food prices ease for second month in June·Bank of JapanOutput Gap, Potential Growth Rate, and Labor Market Indicators·Economic TimesSensex jumps 262 points, Nifty closes above 24,270. 7 key factors behind today's D-Street gains·SCMPAustralia expects to gain extra US$26 billion from exports after Iran war raises prices·NYTLatest Jobs Report Shows Labor Market Is Not a Source of Inflationary Pressure·NYTWhy the Jobs Market Has Wall Street and Washington on Edge·Bank of JapanJapanese Government Bonds Held by the Bank of Japan·
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Montenegro

Euro (EUR)

38
Moderate
Risk
EUR is a shared currency. Montenegro's score reflects its own fiscal health, banking system, and governance — not the currency bloc as a whole. All EUR countries share the same Global Currency Role and capital control scores, but differ on country-specific factors. Learn more
#63
of 171
Riskier
than 64% of currencies
36
global avg score
$826
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 5.4% 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
3.9%
Debt to GDP
Not available
GDP Growth
2.7%
Broad Money / GDP
58.4%

Banking & Stability

NPL Ratio
3.0%
Reserve Months
3.9
Current Account
-20.4%
FX Volatility
9.3

Governance & Markets

Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
8.0
Peg Fragility
Not available

Currency Structure

Global Currency Role
70.0
FX Regime
dollarized
Data Coverage
67.0%

Savings Impact Calculator

€
Holding cash in EUR3.9% inflation
€826−€174 (17% purchasing power lost)
Your €1,000 buys 17% less in 5 years
What if you invested €1,000 instead? (5yr, in EUR terms)
USD-denominated assets gain an additional ~0.9%/yr from expected EUR depreciation vs USD
Hold USD Cash
€899
−€101
-2.1%/yr net in EUR
S&P 500
€1677
+€677
range: €770–€3291
10% USD return + 0.9% FX · ±16% vol
Gold
€1532
+€532
range: €441–€4146
8% USD return + 0.9% FX · ±24% vol
Bitcoin
€3163
+€2163
range: €192–€18.8k
25% USD return + 0.9% FX · ±54% vol

All values in EUR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.9%/yr based on the inflation differential between Montenegro (3.9%) 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: 2026-07-03

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