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    Calculators and Tools

    Free calculators for salary, taxes, loans, insurance, fitness, and everyday tasks. Updated for 2026.

    Everything for your finances in one place

    Smetni is a platform with over 80 free online calculators built specifically for Bulgaria. Calculate your net salary after taxes and social security, plan a mortgage or personal loan, compute VAT, dividends, maternity leave, sick leave, or pension — all with up-to-date data for 2026.

    Beyond financial calculators, we offer fitness tools (BMI, calories, ideal weight), everyday utilities (working days, discounts, dates), plus a professional invoice generator and unit converter. Every calculator is available in both Bulgarian and English.

    Our goal is to help you make informed financial decisions — quickly, easily, and for free. Explore our articles on taxes, insurance, and company registration, or start with any of the calculators below.

    Calculators

    Financial

    60

    Salary, mortgage, loans, investments, and tax calculators

    Fitness

    6

    BMI, calorie, ideal weight, and body composition tools

    Math

    2

    Percentage, average, and mathematical calculators

    Everyday

    13

    Working days, tip calculator, bill splitter, and daily life tools

    Astrology

    20

    Zodiac signs, Chinese zodiac, numerology, and lunar calendar

    Statistics

    1

    P-value, hypothesis testing, and statistical analysis tools

    Sports

    4

    Betting calculator, odds converter, and sports tools

    Other

    2

    Subnet, conversion, and specialized calculators

    Tools(8)

    Invoice Generator

    Create professional invoices online

    Unit Converter

    Convert between metric and imperial units

    Password Generator

    Generate strong, secure passwords

    Credit / Debit Note

    Generate a credit or debit note for an existing invoice

    Proforma Invoice

    Create a proforma invoice for advance payment requests

    Business Trip Order

    Generate a business trip order document and download as PDF

    Acceptance-Delivery Protocol

    Generate a protocol for acceptance and delivery of goods or services

    Coin Flip

    Flip a virtual coin - heads or tails

    Compare

    Taxes

    1

    Compare tax rules and rates across countries worldwide

    Articles

    Economic Map of Bulgaria: Salaries and Development

    Complete analysis of the economy by region. Interactive map of salaries, unemployment, and population. See where the best places to live in Bulgaria are.

    Statistics & Analysis
    7 min + map

    Interactive Property Map 2025: Where Is It Best to Buy a Home?

    Check property affordability in Bulgaria relative to your salary. Interactive map with prices per sq.m. and rental yields by region.

    Statistics & Analysis
    4 min + interactive map

    Step by Step: Company Registration (EOOD/OOD)

    Complete guide for future entrepreneurs. Learn what documents you need, the costs involved, and how to avoid common registration mistakes.

    Starting a Business
    8 min
    $$

    How to Get European Subsidies: Complete Application Guide

    Complete guide to accessing EU funds in Bulgaria. Learn the requirements, necessary documents, and how to increase your chances of project approval.

    Management & Growth
    12 min

    EOOD vs OOD vs VCC vs ET vs Self-Employed vs Liberal Profession: Which to Choose?

    Complete comparison of the six legal business forms in Bulgaria 2026 — including the new VCC (Variable Capital Company, ДПК) for startups. Taxes, liability, contributions, costs, and when to choose each. With a €25,000 annual-income example and a decision matrix.

    Starting a Business
    14 min

    Retirement 2026 Bulgaria: Procedure, Documents and Pension Amount

    Complete retirement guide for Bulgaria — 2026 conditions, required documents (UP-2, UP-3), NSSI steps, calculation formula, Pillar II and III. With age/service tables by year and common mistakes that delay the pension.

    Management & Growth
    14 min
    €€

    Bulgaria Rental Income Tax 2026: Filing, Advance Tax, Airbnb

    Complete guide to rental income tax in Bulgaria 2026 — 10% normative-expenses deduction, effective 9% rate, quarterly advance tax, Annex 4 of the annual return by 30 April. Specifics for Airbnb, non-resident owners, and corporate tenants.

    Management & Growth
    12 min

    E-commerce VAT 2026: OSS, IOSS and the SME Regime

    How VAT works for online sales to EU consumers in 2026 — €10,000 threshold, OSS through the Bulgarian NRA, IOSS for imports up to €150, the new SME regime for small businesses. Quarterly filing, country rates, common mistakes.

    Management & Growth
    15 min
    CLOSED

    Closing an EOOD/OOD 2026: Procedure, Costs and Timeline

    Complete guide to closing a company in Bulgaria — two phases (termination with liquidation and deregistration), 6-month creditor notice, NRA and NSSI notifications, state fees and realistic costs €700-2,000. Steps and common mistakes included.

    Management & Growth
    14 min
    30 APR%$

    Annual Tax Declaration Bulgaria: Complete Step-by-Step Guide

    How to file your Art. 50 PITDA income tax return — with examples for freelancers, landlords, crypto, stocks, dividends, and child tax relief. Deadlines, calculator, and common mistakes.

    Taxes & Insurance
    20 min
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