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Nicaragua
27
Moderate
Risk
Risk
#138
of 171
Safer
than 19% of currencies
36
global avg score
$902
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 3.6% 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
2.1%
Debt to GDP
Not available
GDP Growth
4.9%
Broad Money / GDP
39.3%
Banking & Stability
NPL Ratio
1.0%
Reserve Months
5.7
Current Account
4.2%
FX Volatility
2.6
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 NIO2.1% inflation
NIO 902−NIO 98 (10% purchasing power lost)
Your NIO 1,000 buys 10% less in 5 years
What if you invested NIO 1,000 instead? (5yr, in NIO terms)
Hold USD Cash
NIO 859
−NIO 141
-3.0%/yr net in NIO
S&P 500
NIO 1611
+NIO 611
range: NIO 734–NIO 3176
10% USD return + 0.0% FX · ±16% vol
Gold
NIO 1469
+NIO 469
range: NIO 418–NIO 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
NIO 3052
+NIO 2052
range: NIO 180–NIO 18.4k
25% USD return + 0.0% FX · ±54% vol
All values in NIO. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Nicaragua (2.1%) 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