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New Zealand

New Zealand Dollar (NZD)

35
Moderate
Risk
#82
of 171
Safer
than 52% of currencies
36
global avg score
$869
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 4.3% 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
2.8%
Debt to GDP
52.0%
GDP Growth
0.5%
Broad Money / GDP
99.6%

Banking & Stability

NPL Ratio
Not available
Reserve Months
3.9
Current Account
-3.6%
FX Volatility
3.0

Governance & Markets

Rule of Law
1.8
Black Market Premium
Not available
Capital Controls
Not available
Peg Fragility
Not available

Currency Structure

Global Currency Role
62.0
FX Regime
free float
Data Coverage
67.0%

Savings Impact Calculator

NZ$
Holding cash in NZD2.8% inflation
NZ$869−NZ$131 (13% purchasing power lost)
Your NZ$1,000 buys 13% less in 5 years
What if you invested NZ$1,000 instead? (5yr, in NZD terms)
Hold USD Cash
NZ$859
−NZ$141
-3.0%/yr net in NZD
S&P 500
NZ$1611
+NZ$611
range: NZ$734–NZ$3176
10% USD return + 0.0% FX · ±16% vol
Gold
NZ$1469
+NZ$469
range: NZ$418–NZ$4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
NZ$3052
+NZ$2052
range: NZ$180–NZ$18.4k
25% USD return + 0.0% FX · ±54% vol

All values in NZD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between New Zealand (2.8%) 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: 2026-08-19

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

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