News
SCMPUS sanctions International Criminal Court chief Tomoko Akane·NYTBond Sell-Off Sends Borrowing Costs to Highest Level Since 2007·BBCGlobal borrowing costs hit fresh highs on oil, AI and inflation·SCMPTrump and Carney hold urgent talks as steep 50% US tariffs on Canada loom·CNBCAnalysis: Bond market pressure is squeezing Main Street as Wall Street waits on Warsh·Al JazeeraIran prepares to keep economy alive as US threatens further sanctions·NYTIt’s Crunchtime Again for Canada to Avoid Trump’s New Tariffs·Al JazeeraHichilema re-elected as Zambia president amid opposition concerns over vote·SCMPUS sanctions International Criminal Court chief Tomoko Akane·NYTBond Sell-Off Sends Borrowing Costs to Highest Level Since 2007·BBCGlobal borrowing costs hit fresh highs on oil, AI and inflation·SCMPTrump and Carney hold urgent talks as steep 50% US tariffs on Canada loom·CNBCAnalysis: Bond market pressure is squeezing Main Street as Wall Street waits on Warsh·Al JazeeraIran prepares to keep economy alive as US threatens further sanctions·NYTIt’s Crunchtime Again for Canada to Avoid Trump’s New Tariffs·Al JazeeraHichilema re-elected as Zambia president amid opposition concerns over vote·
← Back to Intelligence Dashboard
A$

Australian Dollar

AUD · Used by 4 countries

31
Moderate
Risk
Historical Scores
284052Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Australian Dollar is in decent shape overall, scoring 31 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies. The AUD is shared by 4 countries, so conditions vary depending on where you are.

You only need about 2.9%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
1.4%
Debt / GDP
27.0%
GDP Growth
2.3%
FX Volatility
20.7
Governance
0.3
Reserves
4.9 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Government debt is low — less pressure to print money
Banking system is in good shape
What to watch out for
No major concerns

Countries using the Australian Dollar

CountryScoreLevelInflationDebt/GDP
🇦🇺 Australia36Moderate2.9%58%
🇰🇮 Kiribati34Moderate2.5%15%
🇳🇷 Nauru29Moderate-0.1%25%
🇹🇻 Tuvalu25Moderate0.5%10%
Detailed Australia analysis →

Savings Impact Calculator

A$
Holding cash in AUD1.4% inflation
A$932−A$68 (7% purchasing power lost)
Your A$1,000 buys 7% less in 5 years
What if you invested A$1,000 instead? (5yr, in AUD terms)
Hold USD Cash
A$859
−A$141
-3.0%/yr net in AUD
S&P 500
A$1611
+A$611
range: A$734–A$3176
10% USD return + 0.0% FX · ±16% vol
Gold
A$1469
+A$469
range: A$418–A$4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
A$3052
+A$2052
range: A$180–A$18.4k
25% USD return + 0.0% FX · ±54% vol

All values in AUD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Australian Dollar zone (1.4%) 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.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how AUD ranks differently.
Intelligence DashboardCompare currenciesBuild your model