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HNL

Honduran Lempira

HNL · Honduras

36
Moderate
Risk
Historical Scores
334148Jul 2021Jul 2023May 2026
What does this mean for you?

The Honduran Lempira is in decent shape overall, scoring 36 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.

You need at least 6.1%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
4.6%
Debt / GDP
Not available
GDP Growth
3.6%
FX Volatility
5.8
Governance
Not available
Reserves
4.5 mo
Analysis
What's working well
Economy is growing healthily
Banking system is in good shape
What to watch out for
No major concerns
Full Honduras analysis →

Savings Impact Calculator

HNL
Holding cash in HNL4.6% inflation
HNL 798−HNL 202 (20% purchasing power lost)
Your HNL 1,000 buys 20% less in 5 years
What if you invested HNL 1,000 instead? (5yr, in HNL terms)
USD-denominated assets gain an additional ~1.6%/yr from expected HNL depreciation vs USD
Hold USD Cash
HNL 932
−HNL 68
-1.4%/yr net in HNL
S&P 500
HNL 1732
+HNL 732
range: HNL 799–HNL 3383
10% USD return + 1.6% FX · ±16% vol
Gold
HNL 1582
+HNL 582
range: HNL 460–HNL 4257
8% USD return + 1.6% FX · ±24% vol
Bitcoin
HNL 3253
+HNL 2253
range: HNL 202–HNL 19.2k
25% USD return + 1.6% FX · ±54% vol

All values in HNL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.6%/yr based on the inflation differential between Honduras (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.

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 HNL ranks differently.
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