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Honduras
36
Moderate
Risk
Risk
#85
of 171
Safer
than 51% of currencies
37
global avg score
$798
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.1% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.6%
Debt to GDP
Not available
GDP Growth
3.6%
Broad Money / GDP
74.9%
Banking & Stability
NPL Ratio
2.4%
Reserve Months
4.5
Current Account
-4.5%
FX Volatility
5.8
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
28.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
67.0%
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.
Data last updated: 2026-05-21