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Uruguay
32
Moderate
Risk
Risk
#110
of 171
Safer
than 36% of currencies
37
global avg score
$789
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.3% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.8%
Debt to GDP
66.4%
GDP Growth
3.1%
Broad Money / GDP
55.1%
Banking & Stability
NPL Ratio
1.7%
Reserve Months
7.7
Current Account
-0.8%
FX Volatility
21.5
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 UYU4.8% inflation
UYU 789−UYU 211 (21% purchasing power lost)
Your UYU 1,000 buys 21% less in 5 years
What if you invested UYU 1,000 instead? (5yr, in UYU terms)
USD-denominated assets gain an additional ~1.8%/yr from expected UYU depreciation vs USD
Hold USD Cash
UYU 944
−UYU 56
-1.2%/yr net in UYU
S&P 500
UYU 1751
+UYU 751
range: UYU 809–UYU 3416
10% USD return + 1.8% FX · ±16% vol
Gold
UYU 1599
+UYU 599
range: UYU 466–UYU 4296
8% USD return + 1.8% FX · ±24% vol
Bitcoin
UYU 3284
+UYU 2284
range: UYU 205–UYU 19.3k
25% USD return + 1.8% FX · ±54% vol
All values in UYU. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.8%/yr based on the inflation differential between Uruguay (4.8%) 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: 2026-05-21