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Calculate social security for employee and employer!
Updated for 2026
Formulas verified
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100% free
Employee
Employer
2025 rates
Min/Max
Въведи данни за осигуровки
Изчислете социални и здравни осигуровки (от 2026-01-01)
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- 100% free calculations
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How to use the social security calculator?
When to use the social security calculator
This calculator is useful for employees and employers who want to understand how social security contributions are calculated, what the breakdown is between employee and employer contributions, and what the minimum and maximum insurance bases are (от 2026-01-01).
Step by step:
- Enter the gross salary in BGN
- The calculator will automatically calculate all insurance contributions
- View the breakdown of contributions by type (pension, health, unemployment, work accident)
- See what portion the employee pays and what portion the employer pays
- Check if the salary is above the minimum or maximum insurance base
How to read the results:
- Employee contributions – the total amount deducted from the employee's salary (pension, health, unemployment)
- Employer contributions – additional costs paid by the employer (pension, health, unemployment, work accident)
- Total cost for employer – gross salary plus all employer contributions
- Breakdown by type – detailed information for each insurance contribution and who pays it
- Insurance base – whether the salary is within the minimum (1,077 BGN) or maximum (3,500 BGN) base for 2025
Common mistakes / limitations:
- Confusing gross and net salary – the calculator works with gross salary (before deductions)
- Ignoring the maximum base – for salaries above 4130 BGN, contributions are calculated only on the maximum base
- Different rates for different activities – some activities have different rates for work accidents that are not included in the calculator
- Specific cases – for specific employment contracts or statuses there may be different rules
Data is up to date according to NRA and NOI (Bulgarian tax and social security). For official information see the sources below. Last update: 3 April 2026.
Sources:
- NRA – National Revenue Agency
- NOI – National Social Security Institute
- VAT Act – Bulgarian VAT law
- Local taxes act – Local taxes and fees
This text is for informational purposes only and is not individual financial or tax advice.
Frequently Asked Questions about Social Security Calculator
What are the insurance rates (от 2026-01-01)?
Pension insurance: employee 9.9%, employer 12.8%. Health insurance: employee 3.2%, employer 4.8%. Unemployment: employee 0.4%, employer 0.6%. Work accident: employer 3.74% (varies by activity).
What is the minimum insurance base?
The minimum insurance base is 1077 BGN (equal to the minimum wage). For salaries below this amount, contributions are calculated on the minimum base.
What is the maximum insurance base?
The maximum insurance base is 4130 BGN. For salaries above this amount, contributions are calculated only on the maximum base.
Who pays the contributions?
Contributions are paid by the employee (deducted from salary) and by the employer (additional costs). The employer pays a larger portion of the contributions.
Why is it important to know the contributions?
Knowing the contributions, you can understand the real cost for the employer, plan your net salary, and understand what rights you have upon retirement, illness, or unemployment.