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Bulgaria
31
Moderate
Risk
Risk
#109
of 171
Safer
than 36% of currencies
36
global avg score
$799
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.1% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.6%
Debt to GDP
Not available
GDP Growth
3.1%
Broad Money / GDP
82.1%
Banking & Stability
NPL Ratio
2.8%
Reserve Months
7.2
Current Account
-5.8%
FX Volatility
1.8
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
8.0
Peg Fragility
21.4
Currency Structure
Global Currency Role
70.0
FX Regime
currency board
Data Coverage
75.0%
Savings Impact Calculator
лв
Holding cash in BGN4.6% inflation
лв799−лв201 (20% purchasing power lost)
Your лв1,000 buys 20% less in 5 years
What if you invested лв1,000 instead? (5yr, in BGN terms)
USD-denominated assets gain an additional ~1.6%/yr from expected BGN depreciation vs USD
Hold USD Cash
лв931
−лв69
-1.4%/yr net in BGN
S&P 500
лв1730
+лв730
range: лв798–лв3380
10% USD return + 1.6% FX · ±16% vol
Gold
лв1580
+лв580
range: лв459–лв4253
8% USD return + 1.6% FX · ±24% vol
Bitcoin
лв3250
+лв2250
range: лв201–лв19.2k
25% USD return + 1.6% FX · ±54% vol
All values in BGN. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.6%/yr based on the inflation differential between Bulgaria (4.6%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Data last updated: 2026-08-19