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Malawi
49
Moderate
Risk
Risk
#21
of 171
Riskier
than 88% of currencies
36
global avg score
$287
$1,000 in 5 years
Impact on Citizens
Citizens need their money to grow at least 29.9% per year to not lose purchasing power. Every MWK 100 saved today will only buy 78 worth of goods next year.See savings calculator ↓
Economic Indicators
Inflation Rate
28.4%
Debt to GDP
61.8%
GDP Growth
1.9%
Broad Money / GDP
27.2%
Banking & Stability
NPL Ratio
5.1%
Reserve Months
1.9
Current Account
-18.8%
FX Volatility
1.7
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
56.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
75.0%
Savings Impact Calculator
MWK
Holding cash in MWK28.4% inflation
MWK 287−MWK 713 (71% purchasing power lost)
Your MWK 1,000 buys 71% less in 5 years
What if you invested MWK 1,000 instead? (5yr, in MWK terms)
USD-denominated assets gain an additional ~25.4%/yr from expected MWK depreciation vs USD
Hold USD Cash
MWK 2744
+MWK 1744
+22.4%/yr net in MWK
S&P 500
MWK 4546
+MWK 3546
range: MWK 2424–MWK 7947
10% USD return + 25.4% FX · ±16% vol
Gold
MWK 4220
+MWK 3220
range: MWK 1565–MWK 9652
8% USD return + 25.4% FX · ±24% vol
Bitcoin
MWK 7688
+MWK 6688
range: MWK 831–MWK 35.7k
25% USD return + 25.4% FX · ±54% vol
All values in MWK. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~25.4%/yr based on the inflation differential between Malawi (28.4%) 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