← Back to Intelligence Dashboard
Ghana
43
Moderate
Risk
Risk
#36
of 171
Riskier
than 79% of currencies
36
global avg score
$515
$1,000 in 5 years
Impact on Citizens
Citizens need their money to grow at least 15.7% per year to not lose purchasing power. Every GHS 100 saved today will only buy 88 worth of goods next year.See savings calculator ↓
Economic Indicators
Inflation Rate
14.2%
Debt to GDP
Not available
GDP Growth
6.0%
Broad Money / GDP
29.9%
Banking & Stability
NPL Ratio
18.9%
Reserve Months
1.6
Current Account
8.2%
FX Volatility
24.8
Governance & Markets
Rule of Law
0.0
Black Market Premium
Not available
Capital Controls
21.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
free float
Data Coverage
75.0%
Savings Impact Calculator
GHS
Holding cash in GHS14.2% inflation
GHS 515−GHS 485 (49% purchasing power lost)
Your GHS 1,000 buys 49% less in 5 years
What if you invested GHS 1,000 instead? (5yr, in GHS terms)
USD-denominated assets gain an additional ~11.2%/yr from expected GHS depreciation vs USD
Hold USD Cash
GHS 1483
+GHS 483
+8.2%/yr net in GHS
S&P 500
GHS 2616
+GHS 1616
range: GHS 1289–GHS 4862
10% USD return + 11.2% FX · ±16% vol
Gold
GHS 2407
+GHS 1407
range: GHS 782–GHS 6023
8% USD return + 11.2% FX · ±24% vol
Bitcoin
GHS 4688
+GHS 3688
range: GHS 375–GHS 24.9k
25% USD return + 11.2% FX · ±54% vol
All values in GHS. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~11.2%/yr based on the inflation differential between Ghana (14.2%) 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: 2026-07-03