News
CNBCSports betting is increasingly the norm for Gen Z. Here’s why some financial and mental health experts are worried·Economic TimesLet exchange rate act as shock absorber: IMF·SCMPBeijing fights invasive moths with parasitic wasps and caterpillar-catching contests·NYTRussians Snap Up Chinese E.V.s as Ukrainian Attacks Make Fuel Scarce·NYTChina Resumes Curbs on Fuel Exports, Tightening Global Energy Markets·BBCRising energy costs add to cost of living for Northern Ireland's consumers·NYTUS Sanctions A7, a Russia Firm That Helps Sidestep Economic Restrictions·NYTThe Powerful Yet Fragile Force Propping Up Stocks and the Economy·CNBCSports betting is increasingly the norm for Gen Z. Here’s why some financial and mental health experts are worried·Economic TimesLet exchange rate act as shock absorber: IMF·SCMPBeijing fights invasive moths with parasitic wasps and caterpillar-catching contests·NYTRussians Snap Up Chinese E.V.s as Ukrainian Attacks Make Fuel Scarce·NYTChina Resumes Curbs on Fuel Exports, Tightening Global Energy Markets·BBCRising energy costs add to cost of living for Northern Ireland's consumers·NYTUS Sanctions A7, a Russia Firm That Helps Sidestep Economic Restrictions·NYTThe Powerful Yet Fragile Force Propping Up Stocks and the Economy·
← Back to Intelligence Dashboard
🇸🇦
SAR

Saudi Riyal

SAR · Saudi Arabia

30
Moderate
Risk
Historical Scores
212733Jul 2021Jul 2025Oct 2026
What does this mean for you?

The Saudi Riyal is in decent shape overall, scoring 30 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
Not available
GDP Growth
4.5%
FX Volatility
Not available
Governance
0.2
Reserves
15.6 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
Healthy foreign currency reserves as a safety net
What to watch out for
No major concerns
Full Saudi Arabia analysis →

Savings Impact Calculator

SAR
Holding cash in SAR2.1% inflation
SAR 902−SAR 98 (10% purchasing power lost)
Your SAR 1,000 buys 10% less in 5 years
What if you invested SAR 1,000 instead? (5yr, in SAR terms)
Hold USD Cash
SAR 859
−SAR 141
-3.0%/yr net in SAR
S&P 500
SAR 1611
+SAR 611
range: SAR 734–SAR 3176
10% USD return + 0.0% FX · ±16% vol
Gold
SAR 1469
+SAR 469
range: SAR 418–SAR 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
SAR 3052
+SAR 2052
range: SAR 180–SAR 18.4k
25% USD return + 0.0% FX · ±54% vol

All values in SAR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Saudi Arabia (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 SAR ranks differently.
Intelligence DashboardCompare currenciesBuild your model