🇧🇬

BGN

Bulgarian Lev

BGN · Bulgaria

Moderate
Risk

Historical Scores

What does this mean for you?

The Bulgarian Lev is in decent shape overall, scoring 28 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 only need about 3.9%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation

2.4%

Debt / GDP

Not available

GDP Growth

3.4%

FX Volatility

6.6

Governance

Not available

Reserves

7.4 mo

Analysis

What's working well

Prices are stable — your money holds its value well

Economy is growing healthily

Healthy foreign currency reserves as a safety net

What to watch out for

No major concerns

Full Bulgaria analysis →

Savings Impact Calculator

Amount saved (BGN)

лв

Time horizon

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.

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.

Intelligence Dashboard Compare currencies Build your model