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SCMPHaeco, China Aircraft Leasing Group sign MOU to build maintenance hub in Hong Kong·SCMPChinese ‘hardship camps’ see children chop wood, feed pigs to learn family appreciation·Al JazeeraState-backed Israeli settler violence forces West Bank displacement: HRW·SCMPChinese banks embrace cheaper short-term loan rates despite margin risks·Economic TimesPower Finance Corporation and REC shares fall up to 3% after Morgan Stanley downgrade·BBCUS national debt passes $40tn after doubling in a decade·BBCCanada and US say they are finalising a trade deal·CNBCChina is defying the global bond yield surge, boosting its diversification appeal·SCMPHaeco, China Aircraft Leasing Group sign MOU to build maintenance hub in Hong Kong·SCMPChinese ‘hardship camps’ see children chop wood, feed pigs to learn family appreciation·Al JazeeraState-backed Israeli settler violence forces West Bank displacement: HRW·SCMPChinese banks embrace cheaper short-term loan rates despite margin risks·Economic TimesPower Finance Corporation and REC shares fall up to 3% after Morgan Stanley downgrade·BBCUS national debt passes $40tn after doubling in a decade·BBCCanada and US say they are finalising a trade deal·CNBCChina is defying the global bond yield surge, boosting its diversification appeal·
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HNL

Honduran Lempira

HNL · Honduras

32
Moderate
Risk
Historical Scores
293745Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Honduran Lempira is in decent shape overall, scoring 32 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
3.8%
FX Volatility
5.4
Governance
Not available
Reserves
5.3 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 799−HNL 201 (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 1731
+HNL 731
range: HNL 798–HNL 3382
10% USD return + 1.6% FX · ±16% vol
Gold
HNL 1581
+HNL 581
range: HNL 459–HNL 4256
8% USD return + 1.6% FX · ±24% vol
Bitcoin
HNL 3252
+HNL 2252
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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