I'm Dimitar Kozarski, based in Dupnitsa, Bulgaria. I work in digital services and development — turning messy real-world problems into clear tools people can actually use. I also have experience in hospitality, where you constantly juggle costs, pricing, VAT and margins. That daily practice taught me how much it matters to get a fast, reliable estimate before you open a spreadsheet or wait for an accountant to reply.

I run Kalkulatori.bg as part of my work through Dragon Forged Dreams. You can see more about my projects at dragonforgeddreams.com. This site isn't a faceless corporate product — it's a project I maintain personally because I use these calculators myself and I want them to stay free for everyone in Bulgaria.

It started with my own frustration: I needed one place to check net from gross salary, VAT on an invoice, NAP interest on overdue obligations, and a dozen other things — without hunting through outdated blog posts every time. Friends and colleagues from hospitality and office jobs had the same issue. The information exists, but it's rarely bundled in a way that respects your time.

So I built Kalkulatori.bg as a set of free Bulgarian financial calculators, aligned with 2026 tax and regulatory context and the euro transition (dual pricing, change in euros at the till, back-office math). The goal is not to replace a certified accountant — it's to give you a straightforward, honest baseline before you make decisions or hire a professional for the hard cases.

Formulas and default rates are checked against official sources, not random copy-paste from forums. For national taxes, revenue deadlines and related parameters I rely on materials published by the National Revenue Agency (NAP) — nap.bg. For social security contributions, insurable income thresholds and related rules I cross-check NOI (National Social Security Institute) — noi.bg and update the site when legal changes are published.

Where relevant (for example statutory interest), I also follow BNB reference rates. When the law changes, I update parameters in code and, when possible, the explanatory text on each calculator page. If you spot an error, please tell me — fixes are part of normal maintenance.

Feedback, feature ideas and bug reports are welcome. Email me at dragonforgeddreams@gmail.com.

You can also use the contact form on this site if you prefer to send a message without opening your mail client.

My professional work and other projects are listed on the Dragon Forged Dreams website — that is the real business behind maintaining Kalkulatori.bg. For how affiliate links are used, see our affiliate disclosure.

More than 50 free tools — VAT, salary and social contributions, loans, mortgages, NAP interest, family budget, euro transition helpers for merchants, fitness timers and more. No registration is required. Ads and occasional partner links help cover hosting and development; they do not change the price you pay for third-party products.