News
SCMPChina-EU trade, Xi touts ‘global influence’, Nato summit·Economic TimesWorld food prices ease for second month in June·Bank of JapanOutput Gap, Potential Growth Rate, and Labor Market Indicators·Economic TimesSensex jumps 262 points, Nifty closes above 24,270. 7 key factors behind today's D-Street gains·SCMPAustralia expects to gain extra US$26 billion from exports after Iran war raises prices·NYTLatest Jobs Report Shows Labor Market Is Not a Source of Inflationary Pressure·NYTWhy the Jobs Market Has Wall Street and Washington on Edge·Bank of JapanJapanese Government Bonds Held by the Bank of Japan·SCMPChina-EU trade, Xi touts ‘global influence’, Nato summit·Economic TimesWorld food prices ease for second month in June·Bank of JapanOutput Gap, Potential Growth Rate, and Labor Market Indicators·Economic TimesSensex jumps 262 points, Nifty closes above 24,270. 7 key factors behind today's D-Street gains·SCMPAustralia expects to gain extra US$26 billion from exports after Iran war raises prices·NYTLatest Jobs Report Shows Labor Market Is Not a Source of Inflationary Pressure·NYTWhy the Jobs Market Has Wall Street and Washington on Edge·Bank of JapanJapanese Government Bonds Held by the Bank of Japan·
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zł

Polish Zloty

PLN · Poland

34
Moderate
Risk
Historical Scores
314048Jul 2021Jul 2025Jul 2026
What does this mean for you?

The Polish Zloty is in decent shape overall, scoring 34 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 5.3%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
3.8%
Debt / GDP
60.5%
GDP Growth
3.6%
FX Volatility
11.0
Governance
Not available
Reserves
5.9 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
Banking system is in good shape
What to watch out for
No major concerns
Full Poland analysis →

Savings Impact Calculator

zł
Holding cash in PLN3.8% inflation
zł829−zł171 (17% purchasing power lost)
Your zł1,000 buys 17% less in 5 years
What if you invested zł1,000 instead? (5yr, in PLN terms)
USD-denominated assets gain an additional ~0.8%/yr from expected PLN depreciation vs USD
Hold USD Cash
zł895
−zł105
-2.2%/yr net in PLN
S&P 500
zł1671
+zł671
range: zł766–zł3280
10% USD return + 0.8% FX · ±16% vol
Gold
zł1526
+zł526
range: zł439–zł4133
8% USD return + 0.8% FX · ±24% vol
Bitcoin
zł3152
+zł2152
range: zł191–zł18.8k
25% USD return + 0.8% FX · ±54% vol

All values in PLN. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.8%/yr based on the inflation differential between Poland (3.8%) 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.

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 PLN ranks differently.
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