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Nicaragua
30
Moderate
Risk
Risk
#125
of 171
Safer
than 27% of currencies
37
global avg score
$798
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.1% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.6%
Debt to GDP
Not available
GDP Growth
3.6%
Broad Money / GDP
39.3%
Banking & Stability
NPL Ratio
1.5%
Reserve Months
5.7
Current Account
4.2%
FX Volatility
0.5
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
40.0
Peg Fragility
18.6
Currency Structure
Global Currency Role
70.0
FX Regime
crawling peg
Data Coverage
75.0%
Savings Impact Calculator
NIO
Holding cash in NIO4.6% inflation
NIO 798−NIO 202 (20% purchasing power lost)
Your NIO 1,000 buys 20% less in 5 years
What if you invested NIO 1,000 instead? (5yr, in NIO terms)
USD-denominated assets gain an additional ~1.6%/yr from expected NIO depreciation vs USD
Hold USD Cash
NIO 933
−NIO 67
-1.4%/yr net in NIO
S&P 500
NIO 1733
+NIO 733
range: NIO 800–NIO 3386
10% USD return + 1.6% FX · ±16% vol
Gold
NIO 1583
+NIO 583
range: NIO 460–NIO 4260
8% USD return + 1.6% FX · ±24% vol
Bitcoin
NIO 3255
+NIO 2255
range: NIO 202–NIO 19.2k
25% USD return + 1.6% FX · ±54% vol
All values in NIO. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.6%/yr based on the inflation differential between Nicaragua (4.6%) 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