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38
Moderate
Risk
Risk
#72
of 171
Riskier
than 58% of currencies
37
global avg score
$803
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.0% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.5%
Debt to GDP
Not available
GDP Growth
4.7%
Broad Money / GDP
37.6%
Banking & Stability
NPL Ratio
12.3%
Reserve Months
4.0
Current Account
-1.3%
FX Volatility
1.6
Governance & Markets
Rule of Law
-0.4
Black Market Premium
Not available
Capital Controls
14.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
free float
Data Coverage
75.0%
Savings Impact Calculator
KES
Holding cash in KES4.5% inflation
KES 803−KES 197 (20% purchasing power lost)
Your KES 1,000 buys 20% less in 5 years
What if you invested KES 1,000 instead? (5yr, in KES terms)
USD-denominated assets gain an additional ~1.5%/yr from expected KES depreciation vs USD
Hold USD Cash
KES 927
−KES 73
-1.5%/yr net in KES
S&P 500
KES 1723
+KES 723
range: KES 794–KES 3368
10% USD return + 1.5% FX · ±16% vol
Gold
KES 1574
+KES 574
range: KES 457–KES 4239
8% USD return + 1.5% FX · ±24% vol
Bitcoin
KES 3238
+KES 2238
range: KES 200–KES 19.2k
25% USD return + 1.5% FX · ±54% vol
All values in KES. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.5%/yr based on the inflation differential between Kenya (4.5%) 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