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SOS

Somali Shilling

SOS · Somalia

44
Moderate
Risk
Historical Scores
415059Jul 2021Jul 2025Oct 2026
What does this mean for you?

The Somali Shilling is in decent shape overall, scoring 44 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 need at least 6.5%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
5.0%
Debt / GDP
12.7%
GDP Growth
3.0%
FX Volatility
0.6
Governance
-2.0
Reserves
2.0 mo
Analysis
What's working well
Government debt is low — less pressure to print money
Banking system is in good shape
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
The official exchange rate doesn't match what people actually pay (20% gap)
Full Somalia analysis →

Savings Impact Calculator

SOS
Holding cash in SOS5.0% inflation
SOS 784−SOS 216 (22% purchasing power lost)
Your SOS 1,000 buys 22% less in 5 years
What if you invested SOS 1,000 instead? (5yr, in SOS terms)
USD-denominated assets gain an additional ~2.0%/yr from expected SOS depreciation vs USD
Hold USD Cash
SOS 951
−SOS 49
-1.0%/yr net in SOS
S&P 500
SOS 1762
+SOS 762
range: SOS 815–SOS 3436
10% USD return + 2.0% FX · ±16% vol
Gold
SOS 1611
+SOS 611
range: SOS 470–SOS 4320
8% USD return + 2.0% FX · ±24% vol
Bitcoin
SOS 3304
+SOS 2304
range: SOS 207–SOS 19.4k
25% USD return + 2.0% FX · ±54% vol

All values in SOS. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~2.0%/yr based on the inflation differential between Somalia (5.0%) 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 SOS ranks differently.
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