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Economic TimesIndia fuel price hike among world's lowest: BJP·SCMPSome Asian airlines could collapse like Spirit without help on rising fuel costs·SCMPTexans accuse Japan of doing ‘deal with the devil’ by funding US fossil fuel projects·SCMPHong Kong property upswing poised to hold despite interest rates risk: Moody’s·Al JazeeraIs the US trying to force regime change in Cuba?·SCMPCuba warns of ‘bloodbath’ if US attacks as Washington expands sanctions·NYTOil Prices Climb and Bonds Falter as Iran War Raises Inflation Fears·SCMPUS extends Russian oil waiver by 30 days as Hormuz closure chokes supply·Economic TimesIndia fuel price hike among world's lowest: BJP·SCMPSome Asian airlines could collapse like Spirit without help on rising fuel costs·SCMPTexans accuse Japan of doing ‘deal with the devil’ by funding US fossil fuel projects·SCMPHong Kong property upswing poised to hold despite interest rates risk: Moody’s·Al JazeeraIs the US trying to force regime change in Cuba?·SCMPCuba warns of ‘bloodbath’ if US attacks as Washington expands sanctions·NYTOil Prices Climb and Bonds Falter as Iran War Raises Inflation Fears·SCMPUS extends Russian oil waiver by 30 days as Hormuz closure chokes supply·
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zł

Polish Zloty

PLN · Poland

35
Moderate
Risk
Historical Scores
324048Jul 2021Jul 2023May 2026
What does this mean for you?

The Polish Zloty is in decent shape overall, scoring 35 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 only need about 5.3%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
3.8%
Debt / GDP
60.5%
GDP Growth
3.0%
FX Volatility
13.5
Governance
Not available
Reserves
5.4 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
Banking system is in good shape
What to watch out for
No major concerns
Full Poland analysis →

Savings Impact Calculator

zł
Holding cash in PLN3.8% inflation
zł830−zł170 (17% purchasing power lost)
Your zł1,000 buys 17% less in 5 years
What if you invested zł1,000 instead? (5yr, in PLN terms)
USD-denominated assets gain an additional ~0.8%/yr from expected PLN depreciation vs USD
Hold USD Cash
zł894
−zł106
-2.2%/yr net in PLN
S&P 500
zł1669
+zł669
range: zł765–zł3277
10% USD return + 0.8% FX · ±16% vol
Gold
zł1524
+zł524
range: zł438–zł4129
8% USD return + 0.8% FX · ±24% vol
Bitcoin
zł3149
+zł2149
range: zł191–zł18.8k
25% USD return + 0.8% FX · ±54% vol

All values in PLN. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.8%/yr based on the inflation differential between Poland (3.8%) 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 PLN ranks differently.
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