All-in calculator for buying an apartment in Bulgaria — taxes, notary, bank fees, renovation and stress tests, all in one place.
Result in 2 minutes · 25+ hidden costs · 2026 rates
From question to decision in 3 minutes.
Just 4 fields. Done in a minute.
Taxes, notary, bank, renovation, monthly. No hidden numbers.
What if you lose your job? Compare scenarios. Share with your partner.
Most people learn about acquisition tax, notary fees, and renovation costs only at the notary. For a €150,000 apartment — the surprise is over €20,000.
There isn't a single tool in Bulgaria that shows the full picture in one place.
Six tools in one — built for buyers in Bulgaria.
Tax, notary, registration, bank fee, insurance, appraisal, consultant, agency — everything in one place.
Mortgage + maintenance + bills + taxes = how much is left each month. Visual, clear.
What if you lose your job? If you both take -30%? Maternity leave? 5 scenarios with one click.
Switch with one button. Different salaries, different stress tests, different picture.
Don't know what you can afford? Enter your income — the calculator shows the max price.
Donut chart for initial costs, bar chart for monthly balance and long-term analysis.
We checked all available tools in Bulgaria.
| Feature | Bank calculators | calculator.bg | newestate.bg | BYB |
|---|---|---|---|---|
| Monthly payment | ||||
| Taxes and notary fees | ||||
| All bank fees | ||||
| Renovation costs | ||||
| Monthly expenses (bills, taxes) | ||||
| Stress test (income loss) | ||||
| Buying with a partner | ||||
| Reverse calculator (max price) | ||||
| Charts and visualizations |
Enter your target price, income, and savings — in two minutes you'll see the real costs, monthly balance, and stress tests.
Start nowPractical advice for buying property in Bulgaria.
Realistic prices for renovation by category — kitchen, bathroom, floors, electrical, furnishings. How much to set aside and what not to forget in the budget.
A practical guide for first-time buyers in Bulgaria — from documents and inspections to insurance and hidden costs. Everything we wished someone had told us before our purchase.
The notary fee is not a percentage — it's calculated by a special regressive tariff. Here are the exact brackets, examples for different prices, and what other fees await you on the deal.
The calculator is free for all core features — full cost breakdown, monthly balance, stress tests and partner calculations. A free account lets you save up to 3 scenarios. The Pro plan (€7/mo) adds PDF reports, unlimited saved scenarios, and side-by-side comparison.
Rates are current as of March 2026 and based on official tariffs for Sofia. Acquisition tax (3%), notary fees, registration fees — everything is according to current regulations. Rates may vary for other municipalities.
Most buyers forget about renovation. On average, renovating a 70 m² apartment costs €10,000–20,000 (BGN 20,000–38,000). We include it because it's a real expense you need to plan for.
The stress test shows what happens to your budget if you lose your job, if your partner loses their job, or if you both take a 30% cut. This way you know whether you can withstand a crisis situation.
The calculator is configured for Sofia (acquisition tax 3%), but most calculations are valid for the whole country. For smaller municipalities, the tax may be 2-2.5%.