Researched by ExpatMoneyEU Research Team · Last updated 10 November 2026 · Data: National Revenue Agency (NAP) and National Social Insurance Institute (NOI) — 2026 rates; Bulgaria has used the euro since 1 January 2026 (fixed rate 1.95583 BGN/EUR). Estimate only — not tax or financial advice. Deposits in Bulgaria are protected up to €100,000 per depositor per bank under the EU Deposit Guarantee Schemes Directive (European Commission).
ExpatMoneyEU verdict: On a €2,000 gross salary this model estimates about €1,552 a month take-home — use it to sanity-check a Bulgarian job offer before you sign, then verify with your payslip. Bulgaria’s 10% flat tax is the EU’s lowest headline rate, but the 13.78% of contributions comes off first, and there is no tax-free allowance.
This calculator uses the current maximum insurable income of €2,300 a month, in force since 1 August 2026. From January to July 2026 the cap was €2,111.64 a month — see the rate table below.
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Got your net pay? Move it without the bank markup — or start learning Bulgarian:
What this calculator does
This calculator converts a gross monthly salary in euros into an estimated net (take-home) monthly and annual pay for employees in Bulgaria. It first deducts the employee’s 10.58% social insurance and 3.2% health insurance — 13.78% in total — charged on insurable income up to the monthly cap, then applies Bulgaria’s flat 10% income tax to what remains. There is no tax-free allowance and no tax bands: the 10% rate applies to every euro of taxable pay, whatever the salary. Your employer also pays 18.92–19.62% of your insurable income in contributions on top, depending on the sector — that is the employer’s cost, not deducted from your pay. The 2026 change that matters most is the euro: Bulgaria adopted the euro on 1 January 2026 at the fixed rate of 1.95583 lev to the euro, so salaries, taxes and contributions are all calculated in euros now.
The Bulgarian context in one number: a typical employee keeps roughly 77.6% of gross pay below the contribution cap — at the national average gross of about €1,444 a month (National Statistical Institute, Q2 2026), this model estimates about €1,121 a month take-home. Because the tax is flat, the maths stays simple: contributions first, then 10% on the rest.
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How to use it (4 steps)
- Enter your gross monthly salary in euros — the figure on your Bulgarian job offer, before any deductions.
- Set how many salaries a year you receive — 12, or 13 if your employer pays a 13th salary.
- Read your estimated monthly and annual take-home pay instantly — no sign-up, no upload.
- Use “Copy link to this result” to save or share the estimate, then compare it with your first payslip.
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The formula, with every variable explained
Net = Gross − social − health − income tax. Social insurance is 10.58% of insurable income — it covers pension, disability, unemployment and other funds — and health insurance is 3.2%, giving 13.78% in total. Both are charged only up to the maximum monthly insurable income, which is €2,300 from 1 August 2026 (€2,111.64 from January to July 2026, because the 2026 social insurance budget was only published on 28 July 2026). Income tax is then a flat 10% of the gross pay left after those contributions — there is no personal allowance to subtract and no bands to climb. Above the cap, contributions stop growing, so only the 10% tax applies to the excess, and the effective rate falls as salary rises.
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Worked example with real numbers
Example: €2,000 gross a month in Bulgaria, 12 salaries a year. Annual gross is €24,000. Social insurance at 10.58% is €211.60 a month. Health insurance at 3.2% is €64.00 a month. Total contributions are €275.60 a month. The tax base is €2,000 − €275.60 = €1,724.40. Income tax at 10% is €172.44 a month. Net pay is €2,000 − €275.60 − €172.44 = €1,551.96 a month, or €18,623.52 a year. At the 2026 minimum wage of €620.20 gross a month, the same maths gives contributions of €85.46 and tax of about €53.47 a month, leaving roughly €481.27 net a month (illustrative figures — verify with your employer).
Rate table used by this calculator (2026)
| Component | Rate / amount | Notes |
|---|---|---|
| Income tax | 10% flat | On gross pay after employee contributions; no allowance, no bands |
| Social insurance (employee) | 10.58% of insurable income | Pension, disability, unemployment and other funds |
| Health insurance (employee) | 3.2% of insurable income | Charged on the same capped base |
| Employee contributions total | 13.78% of insurable income | 10.58% social + 3.2% health |
| Maximum insurable income | €2,300 / month | From 1 Aug 2026; €2,111.64 / month Jan–Jul 2026 |
| Minimum gross wage 2026 | €620.20 / month (€3.74 / hour) | From 1 Jan 2026; also the minimum insurable income for the self-employed |
| Average gross wage | About €1,444 / month | National Statistical Institute, Q2 2026 |
| Employer contributions | 18.92–19.62% of insurable income | Employer’s cost, not deducted from pay; rate varies by sector |
| Currency | Euro since 1 Jan 2026 | Fixed conversion 1.95583 BGN/EUR |
Simplified model for estimation: single employee on a standard contract, no children and no disability reduction. Your payslip applies the contribution cap that was in force in that month — see the note under the calculator.
→ Cost of Living in Europe for Expats — November 2026 Guide
Sources and disclaimer
Rates are modelled from the National Revenue Agency (NAP): the flat 10% income tax on employment income, charged on gross pay after the employee’s own mandatory contributions, with no standard allowance; the National Social Insurance Institute (NOI): employee contributions of 13.78% (10.58% social insurance plus 3.2% health insurance) charged on insurable income capped at €2,300 a month from 1 August 2026 (€2,111.64 a month from January to July 2026), and employer contributions of 18.92–19.62%; and the National Statistical Institute: the €620.20 monthly minimum wage from 1 January 2026 and the €1,444 average gross wage in Q2 2026. Estimate only — not tax or financial advice. Figures are illustrative; bonuses, overtime and any 13th-salary timing are not modelled. Verify your exact liability with NAP or a qualified adviser, and check your payslip against this estimate. Tax rules change — Bulgarian rates for 2027 should be re-checked each January.
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