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MDL

Moldovan Leu

MDL · Moldova

38
Moderate
Risk
Historical Scores
354147Jul 2021Jul 2023May 2026
What does this mean for you?

The Moldovan Leu is in decent shape overall, scoring 38 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 6.2%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
4.7%
Debt / GDP
34.3%
GDP Growth
0.1%
FX Volatility
5.1
Governance
Not available
Reserves
5.7 mo
Analysis
What's working well
Government debt is low — less pressure to print money
What to watch out for
The country is spending much more abroad than it earns — relies on foreign money flowing in
Full Moldova analysis →

Savings Impact Calculator

MDL
Holding cash in MDL4.7% inflation
MDL 796−MDL 204 (20% purchasing power lost)
Your MDL 1,000 buys 20% less in 5 years
What if you invested MDL 1,000 instead? (5yr, in MDL terms)
USD-denominated assets gain an additional ~1.7%/yr from expected MDL depreciation vs USD
Hold USD Cash
MDL 936
−MDL 64
-1.3%/yr net in MDL
S&P 500
MDL 1737
+MDL 737
range: MDL 802–MDL 3393
10% USD return + 1.7% FX · ±16% vol
Gold
MDL 1587
+MDL 587
range: MDL 462–MDL 4269
8% USD return + 1.7% FX · ±24% vol
Bitcoin
MDL 3262
+MDL 2262
range: MDL 203–MDL 19.3k
25% USD return + 1.7% FX · ±54% vol

All values in MDL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.7%/yr based on the inflation differential between Moldova (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.

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 MDL ranks differently.
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