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38
Moderate
Risk
Risk
#59
of 171
Riskier
than 66% of currencies
36
global avg score
$819
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 5.6% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.1%
Debt to GDP
Not available
GDP Growth
4.6%
Broad Money / GDP
37.6%
Banking & Stability
NPL Ratio
13.6%
Reserve Months
4.0
Current Account
-1.3%
FX Volatility
0.2
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 KES4.1% inflation
KES 819−KES 181 (18% purchasing power lost)
Your KES 1,000 buys 18% less in 5 years
What if you invested KES 1,000 instead? (5yr, in KES terms)
USD-denominated assets gain an additional ~1.1%/yr from expected KES depreciation vs USD
Hold USD Cash
KES 907
−KES 93
-1.9%/yr net in KES
S&P 500
KES 1690
+KES 690
range: KES 777–KES 3313
10% USD return + 1.1% FX · ±16% vol
Gold
KES 1544
+KES 544
range: KES 446–KES 4172
8% USD return + 1.1% FX · ±24% vol
Bitcoin
KES 3185
+KES 2185
range: KES 194–KES 18.9k
25% USD return + 1.1% FX · ±54% vol
All values in KES. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.1%/yr based on the inflation differential between Kenya (4.1%) 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