Exchange rates
30 currencies
Latest reviewed observation: 31 July 2026
ECB reference rates support current currency conversion. They are observations, not forecasts. Dated FX scenarios are planned.
European Central Bank source ↗Data & sources
Reference data should be visible, dated and explainable.
Styrvia shows the source and date for reference data. Pension age and other forward choices stay in your plan.
Source shownObservation date shownManual assumptions stay yours
Early Access data: this page describes the reference data and update behaviour used by Personal Early Access.
What Styrvia uses, and when
The forward plan and the historical tests use different data.
Your forward plan uses the assumptions you enter. Reference data supports conversion and historical testing.
| Model area | What Styrvia uses | When it is used |
|---|---|---|
| Forward plan | Your long-term inflation, expected share return, expected bond return and property-growth assumptions. | The normal projection and the central assumptions behind Market simulation. Historical observations do not replace these inputs. |
| Currency conversion | Reviewed ECB reference FX for supported currencies, with user-entered rates available where needed. | When foreign-currency amounts need to be translated into the plan currency. Current conversion uses the rate in the plan; it does not turn today’s rate into a future currency forecast. |
| Past-market shares | Personal: bundled US broad-equity history. Professional: US, developed-international and global equity histories where those series are installed and selected. | Replays historical equity years against the household plan. A holding label by itself does not create a historical series. |
| Past-market bonds & cash | 10-year US Treasury total-return history and 3-month US Treasury-bill returns. | Historical defensive-asset sleeves in Past-market test. These are common historical proxies, not country-specific bond/cash histories. A current government-bond yield is not treated as a long-term return assumption. |
| Past-market inflation | Historical CPI for the plan country where available; then the embedded World series; then US CPI for earlier uncovered years. | Converts Past-market outcomes and spending into historical real terms. It is separate from the forward inflation assumption. |
| Past-market housing | BIS national residential-property history for the selected property country, or a proxy only if you choose one. | When a historical path needs a property value for a sale. If required years are missing, that starting window is excluded rather than filled with 0% growth. |
US equity, bonds & cash
1928 - 2025
US broad equity · 10-year US Treasury total return · 3-month US Treasury bills
Used in Styrvia Personal Past-market test. They are historical reference sequences, not forward-return assumptions.
Historical source ↗Country CPI with labelled fallbacks
World Bank WDI / IMF IFS country histories are used where available, followed by World and then US CPI for uncovered earlier years.
The selected source is historical context only. Forward inflation remains the user-entered planning assumption.
Inflation source details ↓Reference data is bundled with Styrvia releases.
The Personal app does not fetch market data while you use it.
The Personal app does not fetch market data while you use it.
Reference updates
Reference updates stay separate from your plan.
When online, Styrvia can check for newer reviewed reference information without changing your plan.
Check and review
Use Check for reference update. Newer reference data stays separate until you choose to apply it.
See the source and date
Reference information stays labelled with its source and date.
Your assumptions stay yours
A reference update does not replace your forward assumptions. Manual overrides stay in place until you change or remove them.
Country & lifecycle reference research
Pension-age research informs; it does not set your plan.
Styrvia researches public information that can help you check country-specific inputs. Research does not become a plan default just because a source exists.
OECD retirement-age research
OECD Pensions at a Glance 2025 publishes comparable retirement-age measures. Actual eligibility can differ by scheme, cohort and contribution history.
OECD retirement-age source ↗Pension age stays under your control
Styrvia uses the Pension age you enter as the default start age for that adult’s pensions unless a pension has its own start age. Planned work retirement is a separate timing choice. A specific pension start age or income end date takes priority.
Research is not a default
Broader country research can cover pension age, life expectancy and tax. Styrvia shows these only after review; missing country values are not guessed.
Current currency reference: 30 ECB currencies, latest reviewed observation 31 July 2026. Pension-age research is separate context, not a plan default.
How reference data affects the model
History tests the plan. It does not become the plan.
Past-market test replays observed sequences. Market simulation is separate and generates synthetic paths from model assumptions.
Your own history
Bring your own investment history when it is more relevant.
Styrvia Personal can use local CSV history for up to three investments. Long-run analysis requires at least 20 calendar years per series; files are processed locally.
Proxy choice is yours.
Styrvia does not choose a proxy automatically. If you use one, select and supply it deliberately.
Styrvia does not choose a proxy automatically. If you use one, select and supply it deliberately.
Historical inflation source & licence
Country CPI history is sourced from an openly licensed World Bank indicator.
Styrvia uses annual country CPI history from World Bank WDI indicator FP.CPI.TOTL.ZG, sourced from IMF International Financial Statistics and published under CC BY 4.0.
World Bank indicator and licence ↗ · World Bank data licensing ↗
Historical housing
57 national residential-property histories, with the source and coverage visible.
Styrvia includes BIS Selected Residential Property Prices for 57 countries. These are national series, not valuations for a city, neighbourhood or property type. A proxy is used only if you choose one.
Past-market use: the selected housing series is used when a historical path needs a property sale value. Missing required years exclude that starting window. See Methodology →
Coverage varies. 49 of 57 embedded series span at least 20 calendar years. The app shows the selected country/proxy coverage.
Source: Bank for International Settlements, Selected Residential Property Prices. The table below records the national source attribution published by BIS for the countries embedded in Styrvia. BIS property-price sources ↗ · BIS permitted-use terms ↗
Show the 57-country coverage and national-source register
| Code | Country | Embedded coverage | National source(s) listed by BIS |
|---|---|---|---|
| AU | Australia | 1970 - 2026 | Australian Bureau of Statistics; CoreLogic |
| AT | Austria | 1986 - 2025 | Austrian National Bank |
| BE | Belgium | 1970 - 2025 | Federal Public Service, Directorate General Statistics and Economic Information; STADIM; Statistics Belgium |
| BR | Brazil | 2001 - 2026 | Banco Central do Brasil; Getúlio Vargas Foundation; Fipezap |
| BG | Bulgaria | 1998 - 2025 | National Statistical Institute |
| CA | Canada | 1970 - 2026 | Statistics Canada; The Canadian Real Estate Association |
| CL | Chile | 2002 - 2025 | Banco Central de Chile |
| CN | China | 2005 - 2026 | National Bureau of Statistics of China |
| CO | Colombia | 1988 - 2025 | Banco Central de Colombia; National Administrative Department of Statistics |
| HR | Croatia | 1997 - 2025 | Croatian Bureau of Statistics |
| CY | Cyprus | 2002 - 2025 | Central Bank of Cyprus |
| CZ | Czechia | 2008 - 2025 Limited direct history (<20 calendar years) | Czech Statistical Office |
| DK | Denmark | 1970 - 2025 | Statistics Denmark |
| EE | Estonia | 2005 - 2026 | Statistics Estonia |
| FI | Finland | 1970 - 2025 | Statistics Finland |
| FR | France | 1970 - 2026 | National Institute of Statistics and Economic Studies; Ministère de l'Équipement; Fédération Nationale de l'Immobilier; Banque de France |
| DE | Germany | 1970 - 2025 | Deutsche Bundesbank, based on BulwienGesa AG, Statistiches Bundesamt and VDPResearch |
| GR | Greece | 1997 - 2026 | Bank of Greece |
| HK | Hong Kong SAR | 1979 - 2026 | Census and Statistics Department |
| HU | Hungary | 1990 - 2025 | Hungarian Central Statistical Office |
| IS | Iceland | 1981 - 2026 | Central Bank of Iceland; Statistics Iceland |
| IN | India | 2009 - 2025 Limited direct history (<20 calendar years) | Reserve Bank of India |
| ID | Indonesia | 2002 - 2026 | Bank Indonesia |
| IE | Ireland | 1970 - 2026 | Department of the Environment, Heritage and Local Government; Central Statistics Office |
| IL | Israel | 1994 - 2025 | The Central Bureau of Statistics |
| IT | Italy | 1927 - 2025 | Bank of Italy based on Consulente Immobiliare; Istat |
| JP | Japan | 1955 - 2025 | Japan Real Estate Institute (JREI); Ministry of Land Infrastructure, Transport, Tourism |
| KR | Korea | 1975 - 2026 | Kookmin Bank in Korea; Korea Appraisal Board |
| LV | Latvia | 2006 - 2026 | Latvijas Statistika |
| LT | Lithuania | 1998 - 2025 | Centre of Registers; Statistics Lithuania; Eurostat |
| LU | Luxembourg | 2007 - 2025 Limited direct history (<20 calendar years) | Statistics Portal of Luxembourg |
| MY | Malaysia | 1988 - 2026 | Central Bank of Malaysia; National Property Information Centre (NAPIC) |
| MT | Malta | 2005 - 2025 | Central Bank of Malta; National Statistics Office Malta |
| MX | Mexico | 2005 - 2026 | Sociedad Hipotecaria Federal, Valuation Databases |
| MA | Morocco | 2005 - 2025 | BANK AL-MAGHRIB |
| NL | Netherlands | 1970 - 2025 | CBS StatLine |
| NZ | New Zealand | 1962 - 2025 | Reserve Bank of New Zealand based on Quotable Value Limited |
| MK | North Macedonia | 2000 - 2026 | National Bank of the Republic of North Macedonia |
| NO | Norway | 1970 - 2026 | Statistics Norway; Norges Bank |
| PE | Peru | 1998 - 2025 | Banco Central de Reserva |
| PH | Philippines | 2008 - 2025 Limited direct history (<20 calendar years) | Bangko Sentral ng Pilipinas Statistics; Colliers International Philippines |
| PL | Poland | 2010 - 2025 Limited direct history (<20 calendar years) | Central Statistical Office of Poland; National Bank of Poland |
| PT | Portugal | 1988 - 2025 | Confidencial Imobiliário; Statistics Portugal |
| RO | Romania | 2009 - 2025 Limited direct history (<20 calendar years) | Romania National Institute of Statistics |
| RU | Russia | 2001 - 2026 | Federal State Statistics Service |
| RS | Serbia | 2000 - 2026 | Statistical Office of the Republic of Serbia; Republic Geodetic Authority |
| SG | Singapore | 1998 - 2025 | Urban Redevelopment Authority; Statistics Singapore |
| SK | Slovakia | 2006 - 2026 | National Bank of Slovakia; Statistical Office of the Slovak Republic |
| SI | Slovenia | 2007 - 2025 Limited direct history (<20 calendar years) | Statistical Office of The Republic of Slovenia |
| ZA | South Africa | 1966 - 2026 | First National Bank; Department Statistics South Africa |
| ES | Spain | 1971 - 2025 | Ministerio de Fomento; Instituto Nacional de Estadistica; Bank of Spain |
| SE | Sweden | 1970 - 2025 | Statistics Sweden |
| CH | Switzerland | 1970 - 2026 | Swiss National Bank based on Wüest and Partner; Federal Statistical Office |
| TH | Thailand | 1991 - 2026 | Bank of Thailand |
| TR | Türkiye | 2010 - 2026 Limited direct history (<20 calendar years) | Central Bank of the Republic of Türkiye |
| GB | United Kingdom | 1968 - 2026 | Halifax; Office for National Statistics |
| US | United States | 1970 - 2026 | US Census Bureau; Federal Housing Finance Agency; Federal Reserve Board based on Corelogic; Haver Analytics |