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Japan
25
Moderate
Risk
Risk
#149
of 171
Safer
than 13% of currencies
36
global avg score
$855
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 4.7% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓
Economic Indicators
Inflation Rate
3.2%
Debt to GDP
Not available
GDP Growth
1.2%
Broad Money / GDP
246.8%
Banking & Stability
NPL Ratio
1.2%
Reserve Months
14.0
Current Account
4.9%
FX Volatility
20.4
Governance & Markets
Rule of Law
1.5
Black Market Premium
Not available
Capital Controls
Not available
Peg Fragility
Not available
Currency Structure
Global Currency Role
46.0
Reserve Status
6%
FX Regime
free float
Data Coverage
67.0%
Savings Impact Calculator
¥
Holding cash in JPY3.2% inflation
¥855−¥145 (14% purchasing power lost)
Your ¥1,000 buys 14% less in 5 years
What if you invested ¥1,000 instead? (5yr, in JPY terms)
Hold USD Cash
¥866
−¥134
-2.8%/yr net in JPY
S&P 500
¥1623
+¥623
range: ¥741–¥3198
10% USD return + 0.2% FX · ±16% vol
Gold
¥1481
+¥481
range: ¥423–¥4034
8% USD return + 0.2% FX · ±24% vol
Bitcoin
¥3073
+¥2073
range: ¥183–¥18.5k
25% USD return + 0.2% FX · ±54% vol
All values in JPY. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.2%/yr based on the inflation differential between Japan (3.2%) 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: 2026-08-17