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Uruguay
30
Moderate
Risk
Risk
#121
of 171
Safer
than 29% of currencies
36
global avg score
$797
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.2% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.7%
Debt to GDP
65.3%
GDP Growth
1.8%
Broad Money / GDP
51.5%
Banking & Stability
NPL Ratio
1.5%
Reserve Months
8.7
Current Account
-0.4%
FX Volatility
2.8
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
8.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
free float
Data Coverage
75.0%
Savings Impact Calculator
UYU
Holding cash in UYU4.7% inflation
UYU 797−UYU 203 (20% purchasing power lost)
Your UYU 1,000 buys 20% less in 5 years
What if you invested UYU 1,000 instead? (5yr, in UYU terms)
USD-denominated assets gain an additional ~1.7%/yr from expected UYU depreciation vs USD
Hold USD Cash
UYU 934
−UYU 66
-1.3%/yr net in UYU
S&P 500
UYU 1735
+UYU 735
range: UYU 801–UYU 3389
10% USD return + 1.7% FX · ±16% vol
Gold
UYU 1585
+UYU 585
range: UYU 461–UYU 4264
8% USD return + 1.7% FX · ±24% vol
Bitcoin
UYU 3259
+UYU 2259
range: UYU 202–UYU 19.2k
25% USD return + 1.7% FX · ±54% vol
All values in UYU. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.7%/yr based on the inflation differential between Uruguay (4.7%) 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: 2026-08-19