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zł

Polish Zloty

PLN · Poland

35
Moderate
Risk
Historical Scores
324048Jul 2021Jul 2025Oct 2026
What does this mean for you?

The Polish Zloty is in decent shape overall, scoring 35 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
15.4
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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