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Open account in a minuteInflation & Indexation Calculator
What is your money worth in the future or in the past
Updated for 2026
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Inflation
Indexation
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What does the inflation and indexation calculator calculate?
The inflation and indexation calculator is an online tool that calculates the real value of money in different periods, taking into account inflation. The calculator shows how the purchasing power of a given amount changes over time, what the equivalent value of money from the past is in the future or vice versa, and how inflation affects the real value of savings, salaries, and contracts. The calculator is useful for indexing salaries and rents, planning savings, evaluating the real value of contracts and investments, and understanding the impact of inflation on finances. It helps you make informed decisions about financial planning and protect your purchasing power from inflation.
How to use the inflation and indexation calculator?
Using the calculator is very simple. Follow these steps:
- Enter the initial amount: Enter the amount in BGN that you want to index.
- Select starting year: Choose the year you start from (past or present).
- Select target year: Choose the year for which you want to see the equivalent value (future or past).
- Enter inflation: Enter the average annual inflation rate in percentage (or use current data from NSI).
- Calculate: Click "Calculate" and the calculator will show the results.
- Review the results: View the equivalent value of the amount in the target year and the loss of purchasing power.
Example with specific numbers
Example: Amount of 10,000 BGN from 2020 in 2025 value at 5% average annual inflation
- Initial amount (2020): 10,000 BGN
- Average annual inflation: 5%
- Number of years: 5 years (2020 → 2025)
- Equivalent value (2025): ~12,763 BGN (calculated using compound inflation formula)
- Loss of purchasing power: To maintain the same purchasing power, you need 12,763 BGN instead of 10,000 BGN
This means that 10,000 BGN from 2020 is equivalent to 12,763 BGN in 2025. If you saved 10,000 BGN in 2020 and didn't invest it, its real value has decreased by about 27% due to inflation.
Sources and notes
The calculator uses a compound inflation formula that takes into account the accumulation of inflation over time. The formula is: Equivalent value = Initial amount × (1 + inflation)^number of years. Current inflation data for Bulgaria is published by the National Statistical Institute (NSI). Average annual inflation in Bulgaria varies, but is usually between 2-5% annually. It's important to note that actual inflation may differ by categories of goods and services (food, energy, housing, etc.). For accurate calculations when indexing contracts or salaries, always consult with NSI or a financial advisor.
Last updated: April 17, 2026
Data is up to date according to NRA and NOI (Bulgarian tax and social security). For official information see the sources below. Last update: 17 April 2026.
Sources:
- NRA – National Revenue Agency
- NOI – National Social Security Institute
- VAT Act – Bulgarian VAT law
- Local taxes act – Local taxes and fees
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Frequently Asked Questions
What is inflation?
Inflation is the general increase in prices of goods and services over time, which decreases the purchasing power of money.
How does the inflation calculator work?
The calculator uses average annual inflation to calculate how much a given amount would be worth in the future or what its real value was in the past.
What is the current inflation in Bulgaria?
Inflation varies each year. The calculator allows you to enter a current value or use historical data.
What can I use the calculator for?
The calculator is useful for indexing salaries, rents, contracts, savings, and any other financial agreements that need to be updated with inflation.
How to calculate salary indexation?
Enter the current salary as the initial amount, select the year of the last increase and the current year, then see what the indexed salary would be.