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Luxembourg
19
Low
Risk
Risk
EUR is a shared currency. Luxembourg's score reflects its own fiscal health, banking system, and governance — not the currency bloc as a whole. All EUR countries share the same Global Currency Role and capital control scores, but differ on country-specific factors. Learn more
#168
of 171
Safer
than 2% of currencies
36
global avg score
$894
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 3.8% 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
2.3%
Debt to GDP
2.9%
GDP Growth
0.6%
Broad Money / GDP
Not available
Banking & Stability
NPL Ratio
2.2%
Reserve Months
0.1
Current Account
5.2%
FX Volatility
8.9
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
Not available
Peg Fragility
Not available
Currency Structure
Global Currency Role
32.0
Reserve Status
20%
FX Regime
free float
Data Coverage
67.0%
Savings Impact Calculator
€
Holding cash in EUR2.3% inflation
€894−€106 (11% purchasing power lost)
Your €1,000 buys 11% less in 5 years
What if you invested €1,000 instead? (5yr, in EUR terms)
Hold USD Cash
€859
−€141
-3.0%/yr net in EUR
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 EUR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Luxembourg (2.3%) 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: 2026-10-02