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Loan payment

EUR (€)

Tax thresholds and rules (2026)

Key figures for 2026

  • Minimum wage: €620.20
  • Social security ceiling: €2,111.64 (January–July) / €2,300 (August–December)
  • Personal income tax: 10%
  • Corporate tax: 10%

Contributions, category III labour, born after 1959

Employee — 13.78%

  • Pension (State Social Security): 6.58%
  • Supplementary pension (universal fund): 2.20%
  • Sickness and maternity: 1.40%
  • Health insurance: 3.20%
  • Unemployment: 0.40%

Employer — 18.52% + accident insurance

  • Pension (State Social Security): 8.22%
  • Supplementary pension (universal fund): 2.80%
  • Sickness and maternity: 2.10%
  • Health insurance: 4.80%
  • Unemployment: 0.60%
  • Accident at work and occupational disease: 0.40% – 1.10%

Exchange rate

€1 = BGN 1.95583 The site calculates in euro only. Leva appear as a note on the statute, not as a second currency in the calculator.

Loan payment

What payment fits the salary

A rough share of your net pay — usually 30 to 40%. It is not a bank offer, and it is not a payday loan.

Share30-40%

Ofnet pay

Nota bank offer

What payment fits

Enter what is left after tax and contributions, not the gross.

Net salary

A payment is measured against what is left after deductions. Work out your net first, then come back here.

Banks often look at around a third of net pay.

Share for the payment

30-40% of net is a rough guide, not a rule of the central bank. A bank also weighs other debts, the term, the rate and the valuation of the property.

This is not an offer, and it is not a payday loan.

Result

Enter your net pay and we will show what share goes into a payment.

Share with your phone

Scan the code — it opens the same calculation.