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BGN

Bulgarian Lev

BGN · Bulgaria

31
Moderate
Risk
Historical Scores
263238Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Bulgarian Lev is in decent shape overall, scoring 31 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You need at least 6.1%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
4.6%
Debt / GDP
Not available
GDP Growth
3.1%
FX Volatility
2.7
Governance
Not available
Reserves
7.2 mo
Analysis
What's working well
Economy is growing healthily
Healthy foreign currency reserves as a safety net
Banking system is in good shape
What to watch out for
No major concerns
Full Bulgaria analysis →

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.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how BGN ranks differently.
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