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Pakistani Rupee

PKR · Pakistan

39
Moderate
Risk
Historical Scores
364758Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Pakistani Rupee is in decent shape overall, scoring 39 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 5.0%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
3.5%
Debt / GDP
55.0%
GDP Growth
3.7%
FX Volatility
4.3
Governance
-0.7
Reserves
3.8 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
What to watch out for
Restrictions on moving your money out of the country
Weak rule of law — harder to trust that the system will protect your money

Savings Impact Calculator

Holding cash in PKR3.5% inflation
840−₨160 (16% purchasing power lost)
Your ₨1,000 buys 16% less in 5 years
What if you invested 1,000 instead? (5yr, in PKR terms)
USD-denominated assets gain an additional ~0.5%/yr from expected PKR depreciation vs USD
Hold USD Cash
883
117
-2.5%/yr net in PKR
S&P 500
1651
+651
range: 7553245
10% USD return + 0.5% FX · ±16% vol
Gold
1507
+507
range: 4324091
8% USD return + 0.5% FX · ±24% vol
Bitcoin
3119
+2119
range: 18718.7k
25% USD return + 0.5% FX · ±54% vol

All values in PKR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.5%/yr based on the inflation differential between Pakistan (3.5%) 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 PKR ranks differently.