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Mortgage tax relief

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.

Mortgage tax relief

What the home gives back in tax

For young families whose home is their only one. The interest on the first BGN 100,000 is deducted. We do not work out the payment to the bank here.

Article22a

CapBGN 100,000

Tax10%

Relief under art. 22a

Only the interest on the first BGN 100,000 of principal. This is not the calculation for the payment.

Mortgage tax relief

For young families: married, a single home, at least one spouse under 35. The interest on the first BGN 100,000 (about €51,129) is deducted.

The tax saved is 10% of the eligible interest. This is not the calculator for a monthly payment.

Result

Enter the interest and the loan, and we will show the relief.

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