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Bulgaria
28
Moderate
Risk
Risk
#132
of 171
Safer
than 23% of currencies
37
global avg score
$886
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 3.9% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓
Economic Indicators
Inflation Rate
2.4%
Debt to GDP
Not available
GDP Growth
3.4%
Broad Money / GDP
82.1%
Banking & Stability
NPL Ratio
3.6%
Reserve Months
7.4
Current Account
-1.3%
FX Volatility
6.6
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
8.0
Peg Fragility
20.2
Currency Structure
Global Currency Role
70.0
FX Regime
currency board
Data Coverage
75.0%
Savings Impact Calculator
лв
Holding cash in BGN2.4% inflation
лв886−лв114 (11% purchasing power lost)
Your лв1,000 buys 11% less in 5 years
What if you invested лв1,000 instead? (5yr, in BGN terms)
Hold USD Cash
лв859
−лв141
-3.0%/yr net in BGN
S&P 500
лв1611
+лв611
range: лв734–лв3176
10% USD return + 0.0% FX · ±16% vol
Gold
лв1469
+лв469
range: лв418–лв4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
лв3052
+лв2052
range: лв180–лв18.4k
25% USD return + 0.0% FX · ±54% vol
All values in BGN. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Bulgaria (2.4%) 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: 2026-05-21