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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.

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    Financial60Salary, mortgage, loans, investments, and tax calculatorsFitness6BMI, calorie, ideal weight, and body composition toolsMath2Percentage, average, and mathematical calculatorsEveryday13Working days, tip calculator, bill splitter, and daily life toolsAstrology20Zodiac signs, Chinese zodiac, numerology, and lunar calendarStatistics1P-value, hypothesis testing, and statistical analysis toolsSports4Betting calculator, odds converter, and sports toolsOther2Subnet, conversion, and specialized calculators

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    Invoice GeneratorCreate professional invoices onlineUnit ConverterConvert between metric and imperial unitsPassword GeneratorGenerate strong, secure passwordsCredit / Debit NoteGenerate a credit or debit note for an existing invoiceProforma InvoiceCreate a proforma invoice for advance payment requestsBusiness Trip OrderGenerate a business trip order document and download as PDFAcceptance-Delivery ProtocolGenerate a protocol for acceptance and delivery of goods or servicesCoin FlipFlip a virtual coin - heads or tails

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    Taxes1Compare tax rules and rates across countries worldwide

    Articles

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    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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