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Serbia
35
Moderate
Risk
Risk
#89
of 171
Safer
than 48% 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
Not available
GDP Growth
3.9%
Broad Money / GDP
53.0%
Banking & Stability
NPL Ratio
Not available
Reserve Months
6.2
Current Account
-4.6%
FX Volatility
6.5
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
14.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
58.0%
Savings Impact Calculator
RSD
Holding cash in RSD4.7% inflation
RSD 796−RSD 204 (20% purchasing power lost)
Your RSD 1,000 buys 20% less in 5 years
What if you invested RSD 1,000 instead? (5yr, in RSD terms)
USD-denominated assets gain an additional ~1.7%/yr from expected RSD depreciation vs USD
Hold USD Cash
RSD 935
−RSD 65
-1.3%/yr net in RSD
S&P 500
RSD 1737
+RSD 737
range: RSD 801–RSD 3392
10% USD return + 1.7% FX · ±16% vol
Gold
RSD 1587
+RSD 587
range: RSD 461–RSD 4268
8% USD return + 1.7% FX · ±24% vol
Bitcoin
RSD 3261
+RSD 2261
range: RSD 203–RSD 19.3k
25% USD return + 1.7% FX · ±54% vol
All values in RSD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.7%/yr based on the inflation differential between Serbia (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