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CDF

Congolese Franc

CDF · Dem. Rep. Congo

47
Moderate
Risk
Historical Scores
445565Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Congolese Franc is in decent shape overall, scoring 47 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 4.4%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
2.9%
Debt / GDP
14.9%
GDP Growth
5.8%
FX Volatility
50.8
Governance
-1.6
Reserves
1.7 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Government debt is low — less pressure to print money
Economy is growing healthily
What to watch out for
Restrictions on moving your money out of the country
The currency has been swinging wildly — hard to plan ahead
Weak rule of law — harder to trust that the system will protect your money
Full Dem. Rep. Congo analysis →

Savings Impact Calculator

CDF
Holding cash in CDF2.9% inflation
CDF 867−CDF 133 (13% purchasing power lost)
Your CDF 1,000 buys 13% less in 5 years
What if you invested CDF 1,000 instead? (5yr, in CDF terms)
Hold USD Cash
CDF 859
−CDF 141
-3.0%/yr net in CDF
S&P 500
CDF 1611
+CDF 611
range: CDF 734–CDF 3176
10% USD return + 0.0% FX · ±16% vol
Gold
CDF 1469
+CDF 469
range: CDF 418–CDF 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
CDF 3052
+CDF 2052
range: CDF 180–CDF 18.4k
25% USD return + 0.0% FX · ±54% vol

All values in CDF. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Dem. Rep. Congo (2.9%) 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 CDF ranks differently.
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