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C$

Canadian Dollar

CAD · Canada

33
Moderate
Risk
Historical Scores
303539Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Canadian Dollar is in decent shape overall, scoring 33 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You only need about 3.6%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
2.1%
Debt / GDP
64.1%
GDP Growth
1.7%
FX Volatility
4.5
Governance
1.7
Reserves
1.6 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Strong institutions and rule of law
Banking system is in good shape
What to watch out for
No major concerns

Savings Impact Calculator

C$
Holding cash in CAD2.1% inflation
C$903−C$97 (10% purchasing power lost)
Your C$1,000 buys 10% less in 5 years
What if you invested C$1,000 instead? (5yr, in CAD terms)
Hold USD Cash
C$859
C$141
-3.0%/yr net in CAD
S&P 500
C$1611
+C$611
range: C$734C$3176
10% USD return + 0.0% FX · ±16% vol
Gold
C$1469
+C$469
range: C$418C$4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
C$3052
+C$2052
range: C$180C$18.4k
25% USD return + 0.0% FX · ±54% vol

All values in CAD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Canada (2.1%) 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.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how CAD ranks differently.