Bulgaria Salary Calculator 2026
Gross-to-net salary calculator for Bulgaria. For employees and self-employed.
Sourced from official government publications
Net monthly salary
EUR 11 438
EUR 137 257 / year
88.0% take-home
Effective tax rate
12.0%
of gross salary
Deductions
EUR 1 562
per month
| Deduction | Amountper month | Rate |
|---|---|---|
| Gross salary | EUR 13 000 | |
| SOCIAL CONTRIBUTIONS | ||
| Pension insurance (Пенсионно осигуряване) | EUR 185 | 8.8% |
| General illness & maternity (Обща болест и майчинство) | EUR 30 | 1.4% |
| Unemployment (Безработица) | EUR 8 | 0.4% |
| Health insurance (Здравно осигуряване) | EUR 68 | 3.2% |
| INCOME TAX | ||
| Income tax (ДДФЛ) | EUR 1 271 | 10.0% |
| Total deductions | EUR 1 562 | 12.0% |
| Net salary | EUR 11 438 | |
Effective rate
12.0%
Marginal rate
10.0%
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Frequently asked questions
Bulgaria has one of the lowest and simplest income tax regimes in the EU: a flat 10% rate on taxable income. For employees, taxable income is gross salary minus social security contributions. There are no progressive brackets, making Bulgaria attractive for high earners compared to other EU countries.
Employees pay 13.78% of their gross salary in social contributions, covering pension, health, and other insurance funds. This is capped at EUR 2 111.64 /month (EUR 25 340 /year). The employer pays an additional ~18.92% on top.
Self-employed individuals benefit from a 25% standard expense deduction: only 75% of gross income is subject to the flat 10% income tax. Social contributions total 31.3% of the declared assessment base (includes pension, supplementary pension, health insurance, and optional illness/maternity coverage). The assessment base is capped between EUR 6 608 /year (EUR 550.66 /month minimum) and EUR 25 340 /year (EUR 2 111.64 /month maximum).
For a typical employee, the combined effective rate (income tax + social security) is roughly 21–22% of gross salary. This is among the lowest in the EU, making Bulgaria a cost-effective location for both employees and employers.
Bulgaria does not have a specific NHR-style expat tax regime. However, the flat 10% income tax and low social contributions apply equally to all tax residents. Bulgaria also has double taxation treaties with most EU countries and many others worldwide.
Yes. Bulgaria adopted the euro on 1 January 2026, replacing the Bulgarian Lev (BGN) at the fixed conversion rate of BGN 1.95583 per EUR 1. All salaries, taxes, and social contributions are now denominated in EUR. Our calculator displays all amounts in EUR by default.