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TZS

Tanzanian Shilling

TZS · Tanzania

34
Moderate
Risk
Historical Scores
313844Jul 2021Jul 2025Oct 2026
What does this mean for you?

The Tanzanian Shilling is in decent shape overall, scoring 34 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 4.8%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
3.3%
Debt / GDP
Not available
GDP Growth
5.9%
FX Volatility
19.2
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 Tanzania analysis →

Savings Impact Calculator

TZS
Holding cash in TZS3.3% inflation
TZS 849−TZS 151 (15% purchasing power lost)
Your TZS 1,000 buys 15% less in 5 years
What if you invested TZS 1,000 instead? (5yr, in TZS terms)
Hold USD Cash
TZS 873
−TZS 127
-2.7%/yr net in TZS
S&P 500
TZS 1635
+TZS 635
range: TZS 747–TZS 3217
10% USD return + 0.3% FX · ±16% vol
Gold
TZS 1492
+TZS 492
range: TZS 426–TZS 4057
8% USD return + 0.3% FX · ±24% vol
Bitcoin
TZS 3092
+TZS 2092
range: TZS 185–TZS 18.5k
25% USD return + 0.3% FX · ±54% vol

All values in TZS. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.3%/yr based on the inflation differential between Tanzania (3.3%) 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 TZS ranks differently.
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