Tax Calculators — Complete Guide
Practical guide for 2026: VAT with examples, personal income tax step by step, crypto taxation, LLC vs sole trader comparison, and planning tips—with links to free calculators on Kalkulatori.bg.
Why tax math matters in Bulgaria in 2026
Every invoice, payroll decision, and NRA declaration rests on numbers. Mixing gross and net, using the wrong VAT mode, or forgetting reliefs skews your cash-flow forecast. Since 2026 Bulgaria uses the euro; households and businesses compare prices, salaries, and taxes in EUR more often. Calculators do not replace an accountant, but they give you a fast, repeatable model with a clear breakdown so you can test scenarios before you commit.
VAT calculator — practical walkthrough
Choose the mode: net amount → add VAT or gross amount → extract VAT. Confirm the rate (e.g. standard 20% or reduced 9% where it applies).
Example: Services for €1,000 net at 20%: VAT = €200, total €1,200 gross. Entering €1,200 gross splits back to €1,000 net and €200 VAT—handy for quotes and draft invoices.
Personal income tax — step by step
- Enter taxable income (salary, fee, etc.).
- Add statutory reliefs where the tool supports them (children, disability, etc.).
- Check social security base—contributions change what remains taxable.
- Read the breakdown: 10% applies to taxable income after deductions, not necessarily to full gross.
Crypto taxes in Bulgaria — specifics
Disposals (sale, swap, spending crypto) can trigger taxable gains. Challenges are documenting acquisition cost across many trades and choosing a consistent method (FIFO is a common planning assumption). Use the calculator as an estimate; verify thresholds, filing deadlines, and NRA guidance for the year.
LLC vs sole trader — tax burden overview
The table below summarizes typical differences; your actual outcome depends on turnover, expenses, and legal regime.
| Criterion | Sole trader (ET) | LLC (OOD/EOOD) |
|---|---|---|
| Tax on business profit | Personal income tax rules for the trader | Corporate income tax on company taxable profit |
| Owner distributions | Profit taxed as trader income | Dividends to individuals subject to final withholding rules |
| Social security | Mandatory self-insurance where conditions apply | Payroll and/or manager self-insurance depending on setup |
| Admin burden | Often lighter for very small scale | Annual accounts, filings, corporate resolutions |
| Liability | Unlimited with trader assets | Limited liability with contributed capital when rules are followed |
Sole trader calculator → · LLC taxes → · JSC taxes →
Practical tax planning tips
- Keep one spreadsheet for revenue, VAT periods, and payments to reconcile with calculator outputs.
- Re-check rates and bases each year (VAT, insurance ceilings, tax brackets).
- Separate personal and business spending—especially for companies.
- Set aside estimated tax and VAT monthly using calculator figures as a guide.
Conclusion
Use Kalkulatori.bg tools to clarify VAT, income tax, crypto gains, and company scenarios—then validate with a professional for major decisions. Start here:
VAT · Income tax · Crypto · LLC · Salary
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Important: This text is for informational purposes only and is not individual financial or tax advice.
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