Savings vs inflation
How it works, and where the numbers come from →Click a country to see its savings. Pinch or ctrl-scroll to zoom, drag to pan.
Prices rose ×12.2. At that pace, cash loses half its buying power every 2.8 years.
×12.2
₺400,000 in 2015 bought what ₺4.9M buys in 2025
+252%
After inflation — ₺400,000 became ₺17.2M
−92%
Still ₺400,000, buying what ₺32,745 did in 2015
−14%
₺4.2M with interest, before tax
Since 2015
Prices in Türkiye rose ×12.2 from 2015 to 2025. 7 of the 10 ways to hold it kept up with prices.
- Gold & silver
- gold +252% · silver +201%
- Other currencies
- from −4% (Japanese yen) to +37% (Swiss franc)
- Kept in TRY
- the deposit −14% · cash −92%
Each line is what ₺400,000 put away in 2015 would buy each year, held that way — 2015 prices, so inflation is already taken out.
- Cash: its number never changes, so its line is what prices took
- 0%: kept pace with prices
- above, beat thembelow, lost to them
- How much prices rose each year — the tall bars are where the lines fall
- Log scale: −50% and +100% sit the same distance from 0%, because halving and doubling are the same size of move
- Click a holding in the table to add or remove its line; hover to preview it
| Held as | Worth in 2025 | In 2015 money | After inflation | A year | |
|---|---|---|---|---|---|
| ₺17,201,566 | ₺1,408,155 | +252% | +13%/yr | ||
| ₺14,708,648 | ₺1,204,079 | +201% | +12%/yr | ||
| ₺6,716,598 | ₺549,834 | +37% | +3.2%/yr | ||
| ₺5,909,200 | ₺483,739 | +21% | +1.9%/yr | ||
| ₺5,802,155 | ₺474,976 | +19% | +1.7%/yr | ||
| ₺5,025,538 | ₺411,401 | +2.9% | +0.3%/yr | ||
| ₺5,000,529 | ₺409,353 | +2.3% | +0.2%/yr | ||
| ₺4,692,807 | ₺384,163 | −4% | −0.4%/yr | ||
| ₺4,224,724 | ₺345,844 | −14% | −1.4%/yr | ||
| CashTRY notes, kept at home | ₺400,000 | ₺32,745 | −92% | −22%/yr |
Annual averages: bought at 2015’s average price, valued at 2025’s. Sources: World Bank consumer prices, official exchange rates and deposit rates; gold and silver from the World Bank Pink Sheet. Retrieved 2026-09-22.
The next 10 years
At rates you set — nobody knows these. Start from neutral rates, which forecast nothing (other currencies move with the gap between inflation rates, metals keep pace with prices, the deposit pays the assumed local rate), or from what each holding actually did over the last 10 years.
| Held as | Rises a year, in TRY | Last 10 years | In 2036 | In today’s money | After inflation |
|---|---|---|---|---|---|
| CashTRY notes, kept at home | 0% — cash does not grow | 0%/yr | ₺400,000 | ₺54,760 | −86% |
interest | +27%/yr | ₺10,019,611 | ₺1,371,679 | +243% | |
| +31%/yr | ₺2,258,804 | ₺309,229 | −23% | ||
| +31%/yr | ₺2,297,088 | ₺314,470 | −21% | ||
| +29%/yr | ₺2,277,874 | ₺311,840 | −22% | ||
| +33%/yr | ₺2,625,020 | ₺359,364 | −10% | ||
| +28%/yr | ₺2,415,469 | ₺330,676 | −17% | ||
| +29%/yr | ₺2,603,353 | ₺356,398 | −11% | ||
| +46%/yr | ₺2,921,853 | ₺400,000 | 0% | ||
| +43%/yr | ₺2,921,853 | ₺400,000 | 0% |
At these rates, by 2036: 3 of the 10 ways to hold it would keep up with prices.
- Gold & silver
- gold 0% · silver 0%
- Other currencies
- from −23% (US dollar) to −10% (Swiss franc)
- Kept in TRY
- the deposit +243% · cash −86%
Each line compounds at its rate from the table above, then prices at 22% a year are taken out — so the chart shows what ₺400,000 would buy, in today's money.
- Cash: its number never changes, so its line is what prices took
- 0%: kept pace with prices
- above, beat thembelow, lost to them
- Log scale: −50% and +100% sit the same distance from 0%, because halving and doubling are the same size of move; a steady yearly rate draws a straight line
- Click a holding in the table to add or remove its line; hover to preview it
“Last 10 years” is what each holding actually did in TRY from 2015 to 2025, before tax — the past is not a forecast either.
What this leaves out
- Metal prices are World Bank averages: no dealer spread, storage or insurance. Coins and bars cost more to buy than they fetch when sold.
- Foreign currency is held as cash and earns nothing. Deposits use the average rate the World Bank publishes, rolled over once a year — your bank’s rate will differ.
- Exchange rates are official. Where a street rate ran above the official one, buying foreign currency cost more than shown.
- Nothing here is advice. It is arithmetic on published figures.
35 countries are not offered, and why
- Afghanistan — World Bank exchange rates stop in 2020
- Argentina — Official rate far below the parallel rate for most of 2011–2015 and 2019–2024
- Bolivia — Official rate held at 6.96 per dollar while the street rate roughly doubled (2023–2025)
- Bosnia and Herzegovina — World Bank prices stop in 2023
- Cuba — No World Bank consumer prices
- DR Congo — World Bank prices stop in 2016
- Eritrea — No World Bank consumer prices
- Eswatini — World Bank prices stop in 2019
- Falkland Islands — No World Bank consumer prices
- Greenland — No World Bank consumer prices
- Guinea — World Bank exchange rates stop in 2020
- Iran — Official rate a fraction of the market rate since 2018
- Lebanon — Official rate held at 1,507.5 per dollar through 2022 while the market rate passed 20,000
- Libya — Official rate a fraction of the market rate through 2015–2020
- Malawi — World Bank exchange rates stop in 2023
- Mauritania — World Bank exchange rates stop in 2023
- Myanmar — Official rate far below the market rate since 2021
- New Caledonia — World Bank prices stop in 2016
- North Korea — No World Bank consumer prices
- Northern Cyprus — No World Bank consumer prices
- Puerto Rico — No World Bank consumer prices
- Sierra Leone — World Bank exchange rates stop in 2023
- Somalia — No World Bank consumer prices
- Somaliland — No World Bank consumer prices
- South Sudan — Official rate far below the parallel rate, and inflation in the thousands of percent
- Sri Lanka — World Bank exchange rates stop in 2023
- Sudan — Official rate far below the parallel rate through 2012–2021
- Syria — Official rate far below the market rate since 2012
- Taiwan — No World Bank consumer prices
- Tajikistan — World Bank prices stop in 2016
- Turkmenistan — Official rate fixed at 3.5 per dollar, several times below the market rate
- Venezuela — No exchange rate published after 2017
- Western Sahara — No World Bank consumer prices
- Yemen — Two different rials in circulation since 2019
- Zimbabwe — Currency replaced twice; the series changes unit