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Japan
26
Moderate
Risk
Risk
#147
of 171
Safer
than 14% of currencies
37
global avg score
$874
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 4.2% 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
2.7%
Debt to GDP
Not available
GDP Growth
0.1%
Broad Money / GDP
267.1%
Banking & Stability
NPL Ratio
1.2%
Reserve Months
13.1
Current Account
4.7%
FX Volatility
23.7
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 JPY2.7% inflation
¥874−¥126 (13% purchasing power lost)
Your ¥1,000 buys 13% less in 5 years
What if you invested ¥1,000 instead? (5yr, in JPY terms)
Hold USD Cash
¥859
−¥141
-3.0%/yr net in JPY
S&P 500
¥1611
+¥611
range: ¥734–¥3176
10% USD return + 0.0% FX · ±16% vol
Gold
¥1469
+¥469
range: ¥418–¥4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
¥3052
+¥2052
range: ¥180–¥18.4k
25% USD return + 0.0% FX · ±54% vol
All values in JPY. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Japan (2.7%) 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.
Data last updated: 2026-05-19