Bulgaria vs Poland
Bulgaria is ahead on taxes, legalization, cost of living, housing, healthcare. Poland is ahead on safety, language. Full criterion-by-criterion data below.
Verified
Scoreboard
The key numbers head-to-head — the stronger side is marked. The overall score stays decoration; what matters is which facts fit you.
| Bulgaria | Poland | |
|---|---|---|
| Cost of living (single, excl. rent) | ★$460/moiNSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey) Curated by SettleMetric
| $753/moiGUS — Household Budget Survey 2024 (one-person households), CPI-uplifted Curated by SettleMetric
|
| Rent: 1-bedroom (city avg) | ★$570/moiCurated by SettleMetric
| $969/moiOtodom Analytics via Bankier.pl rental report, June 2026 Curated by SettleMetric
|
| Freelancer tax burden | ★18.1%iCurated by SettleMetric
| 23.6%iSettleMetric tax engine over official 2026 rules (biznes.gov.pl) Curated by SettleMetric
|
| Homicide rate | 1.23/100kiEurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG) Open data
| ★0.69/100kiEurostat — police-recorded intentional homicide (ICCS 0101) Open data
|
| Internet speed | ★43 MbpsiM-Lab NDT country aggregates for Bulgaria Open data
| 42 MbpsiM-Lab NDT country aggregates for Poland Open data
|
| English proficiency | HighiEF EPI 2025 — Bulgaria (score 594, rank 18/123, High band) Research
| ★Very highiEF EPI 2025 (rank 15/123, score 600 — Very High band) Research
|
| Private healthcare cost | ★$820/yriCurated market survey of Bulgarian voluntary health insurers (2026) Curated by SettleMetric
| $1,600/yriCurated by SettleMetric
|
Verdict
Each lens weighs only the facts that matter to that plan, and names the side it favours.
Contract or freelance in tech, billing clients abroad.
Bulgaria fits better — 3 of 5
| Bulgaria | Poland | |
|---|---|---|
| Freelancer tax burden | ★18.1%iCurated by SettleMetric
| 23.6%iSettleMetric tax engine over official 2026 rules (biznes.gov.pl) Curated by SettleMetric
|
| Internet speed | ★43 MbpsiM-Lab NDT country aggregates for Bulgaria Open data
| 42 MbpsiM-Lab NDT country aggregates for Poland Open data
|
| English proficiency | HighiEF EPI 2025 — Bulgaria (score 594, rank 18/123, High band) Research
| ★Very highiEF EPI 2025 (rank 15/123, score 600 — Very High band) Research
|
| Cost of living (single, excl. rent) | ★$460/moiNSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey) Curated by SettleMetric
| $753/moiGUS — Household Budget Survey 2024 (one-person households), CPI-uplifted Curated by SettleMetric
|
| Domestic delivery quality | ExcellentiEcont and Speedy — Bulgaria's dominant courier networks Curated by SettleMetric
| ExcellentiInPost official news / carrier service pages (composite) Curated by SettleMetric
|
Relocating with a partner and school-age children.
Poland fits better — 2 of 3
| Bulgaria | Poland | |
|---|---|---|
| Homicide rate | 1.23/100kiEurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG) Open data
| ★0.69/100kiEurostat — police-recorded intentional homicide (ICCS 0101) Open data
|
| Private healthcare cost | ★$820/yriCurated market survey of Bulgarian voluntary health insurers (2026) Curated by SettleMetric
| $1,600/yriCurated by SettleMetric
|
| English proficiency | HighiEF EPI 2025 — Bulgaria (score 594, rank 18/123, High band) Research
| ★Very highiEF EPI 2025 (rank 15/123, score 600 — Very High band) Research
|
Optimising tax, banking and crypto rules.
Bulgaria fits better — 1 of 3
| Bulgaria | Poland | |
|---|---|---|
| Crypto regulation | Legal regulatediOfficial source
| Legal regulatediPolish tax authority — disposal of virtual currencies (PIT-38, 19%) Official source
|
| Financial control level | LowiOfficial source
| Lowibiznes.gov.pl — cash payment limits (art. 19 Prawo przedsiębiorców) Curated by SettleMetric
|
| Freelancer tax burden | ★18.1%iCurated by SettleMetric
| 23.6%iSettleMetric tax engine over official 2026 rules (biznes.gov.pl) Curated by SettleMetric
|
Prioritising safety, air, and an easy daily life.
A close call for this plan
| Bulgaria | Poland | |
|---|---|---|
| Homicide rate | 1.23/100kiEurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG) Open data
| ★0.69/100kiEurostat — police-recorded intentional homicide (ICCS 0101) Open data
|
| Cost of living (single, excl. rent) | ★$460/moiNSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey) Curated by SettleMetric
| $753/moiGUS — Household Budget Survey 2024 (one-person households), CPI-uplifted Curated by SettleMetric
|
Details
Taxes
Freelancer tax burden% effective burden at €60k/year self-employed profile18.17.423.66.3
What this measures
Effective total burden (income tax + mandatory social and health contributions) for a solo IT freelancer with €60,000/year revenue and 10% deductible expenses, using the most favourable eligible scheme in the country's tax-schemes data. Computed by the SettleMetric tax engine; recorded as a curated value with the winning scheme id in method.
Bulgaria
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Method
- Best representative freelancer scheme at €60,000, single = свободна професия (scheme bg-svobodna-profesia): 25% deemed expenses → base €45,000; social 27.8% capped at €7,044.43 (max insurable income €2,111.64/mo); 10% tax on €37,955.57 = €3,795.56. Levies €10,839.99 → 18.1%. The ЕООД company chain (10% + 5% dividend) shows a lower headline (~14.5%) but excludes the compulsory owner-manager social insurance, so свободна професия is the honest freelancer burden.
Poland
SettleMetric tax engine over official 2026 rules (biznes.gov.pl)
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 3, 2026
- Method
- Best eligible scheme pl-ryczalt-it-12 at €60,000 revenue = 257,400 PLN (ECB 4.29): ZUS social 21,459.48 + health 9,966.96 + Labor Fund 1,661.64 + 12% lump-sum tax 27,714.84 = 60,802.92 PLN → 23.6%. Expenses don't reduce ryczałt.
Legalization
Remote-work legalization easeDedicated nomad visa10.0Long stay path6.0
What this measures
Best available legalization route for a location-independent earner with a median (non-EU, non-US) passport, classified from this country's legalization-paths data: dedicated digital-nomad visa; general freelance/self-employment permit; realistic long-stay path (e.g. renewable temporary residence); only short visa-free/tourist stays; effectively none.
Bulgaria
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Notes
- Bulgaria created a dedicated digital-nomad residence route via the June 2025 Foreigners Act amendment, opened to applications for 2026 — for non-EU remote workers earning from abroad (income ≥ 50× the previous year's monthly minimum wage, ~€27,500/year). Combined with the 10% flat tax and low cost of living it is one of the EU's most attractive nomad setups. EU/EEA/Swiss citizens simply exercise free movement.
Poland
Wielkopolska Voivodeship Office — business-activity residence permit
Official source
- Data as of
- Jul 3, 2026
- Verified
- Jul 3, 2026
- Notes
- No digital nomad visa (verified absent on gov.pl); Poland Business Harbour suspended since Jan 2024. Realistic long-stay route: temporary residence via business activity (renewable, up to 3 years) — but sole-proprietorship registration is limited to specific statuses, so most non-EU/non-US freelancers route through a company.
Cost of living
Cost of living (single, excl. rent)USD/month, single person, excluding rent46010.07538.7
What this measures
Monthly cost of a defined single-person basket (food, transport, utilities, mobile+internet, modest leisure) excluding rent, curated from national statistics office price data and large local retailers' published prices, converted to USD at the ECB rate recorded in fx-rates. The method field of each value itemizes the basket inputs.
Bulgaria
NSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey)
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Method
- NSI HBS 2024 consumer expenditure per household member = BGN 9,466/yr (COICOP consumption, effectively rent-free — Bulgaria doesn't impute owner rent, ~85% ownership, housing line is utilities). 9,466 ÷ 12 = 788.83 BGN/mo ÷ 1.95583 = €403.32/mo × 1.1399 = $459.75/mo → $460. Household-Budget-Survey basis chosen for peer consistency (matching the capture ratio of the Spain/Czechia figures). Bulgaria is the cheapest of the peer set.
- Notes
- The cheapest vs peers (BG ~$460 < CZ ~$785 < ES ~$941), consistent with income levels. Bulgaria adopted the euro on 1 Jan 2026 (1 EUR = 1.95583 BGN).
Poland
GUS — Household Budget Survey 2024 (one-person households), CPI-uplifted
Curated by SettleMetric
- Data as of
- May 31, 2026
- Verified
- Jul 3, 2026
- Method
- GUS one-person household consumer spending 2,888.89 PLN/mo (2024) minus actual-rentals line 235.10 → 2,653.79 PLN; uplifted by CPI (+3.6% 2025 avg, +3.1% y/y May 2026) → ≈2,835 PLN; converted at 3.7635 PLN/USD (ECB 2026-07-02). Cross-checked against Eurostat price-level indices (PL ≈ 72% of EU27).
| Category | BulgariaiNSI Bulgaria — Household Budget Survey 2024 (consumer expenditure by group) Curated by SettleMetric
| PolandiGUS Household Budget Survey 2024 (one-person households), CPI-uplifted Curated by SettleMetric
|
|---|---|---|
| Food & non-alcoholic drinks | — | $205 |
| Food & non-alcoholic beverages | $163 | — |
| Utilities (electricity, gas, water) | — | $147 |
| Transport | $41 | $59 |
| Other (alcohol, tobacco, misc.) | — | $77 |
| Housing utilities (water, electricity, gas, fuels) | $61 | — |
| Restaurants & eating out | — | $59 |
| Communications | $23 | $32 |
| Recreation & culture | — | $55 |
| Health (out-of-pocket) | — | $55 |
| Clothing & footwear | $21 | $26 |
| Recreation, culture & education | $38 | — |
| Household goods | — | $38 |
| Health | $35 | — |
| Miscellaneous goods & services | $28 | — |
| Furnishing & household maintenance | $28 | — |
| Alcoholic beverages & tobacco | $22 | — |
| Total (excl. rent) | $460/mo | $753/mo |
Housing
Asking rent, central price with outside-centre in parentheses ($/mo).
| Apartment | BulgariaiSettleMetric — population-weighted average of covered cities (Plovdiv, Sofia) Curated by SettleMetric
| PolandiSettleMetric — population-weighted average of covered cities (Kraków, Warsaw) Curated by SettleMetric
|
|---|---|---|
| Studio | $378 ($266) | $853 ($534) |
| 1-bedroom | $504 ($355) | $1,174 ($735) |
| 2-bedroom | $758 ($532) | $1,632 ($1,019) |
| 3-bedroom | $1,072 ($754) | $2,193 ($1,370) |
Safety
Homicide rateintentional homicides per 100,000/year1.28.50.79.6
What this measures
Intentional homicide victims per 100,000 population, latest available year. Country level: UNODC national series. City level: official municipal/police statistics where published; otherwise null (country value shown as country-level).
Bulgaria
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Notes
- Police-recorded intentional homicide, 2024 (1.23). Downward trend from 2.29 in 2008; recent years 2020 0.96, 2021 1.29, 2022 1.11, 2023 1.15, 2024 1.23. Moderate by European standards.
Poland
Eurostat — police-recorded intentional homicide (ICCS 0101)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 3, 2026
- Notes
- Completed homicides. UNODC latest (2023): 0.80 per 100k. Polish police's ~503 'zabójstwa' (2024) includes attempts.
Healthcare
Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-old8209.11,6007.0
What this measures
Median of at least three publicly quoted annual premiums for comprehensive private medical insurance (outpatient + inpatient, ~$100k coverage, small deductible) for a healthy 35-year-old resident foreigner, from local and international insurers. Method field lists the insurers quoted.
Bulgaria
Curated market survey of Bulgarian voluntary health insurers (2026)
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Method
- Bulgaria has mandatory public health insurance (НЗОК) with no full private-replacement market, so this is the VOLUNTARY supplementary premium: a comprehensive mid-tier plan (outpatient GP+specialist, labs, imaging, hospitalisation) ~€60/month = €720/yr → $821/yr at 1.1399. Range €30–60/mo (basic) to €60–120/mo (premium with dental/vision).
- Notes
- Supplementary to mandatory public НЗОК, not a replacement (like Austria's Sonderklasse). Main voluntary insurers: DZI, Bulstrad VIG, Generali, Allianz Bulgaria, DallBogg, UNIQA. Indicative premiums, vary with coverage caps and deductibles.
Poland
Curated by SettleMetric
- Data as of
- Jul 3, 2026
- Verified
- Jul 3, 2026
- Method
- Comprehensive private plans that include inpatient/hospital cover — top-tier LuxMed/Medicover subscriptions (own or partner hospitals) and standalone health insurance (Signal Iduna, Allianz Zdrowie, PZU) — run ≈400–700 PLN/month. Healthy-35-year-old midpoint ≈ 500 PLN/mo ≈ 6,000 PLN/yr ≈ $1,595 at 3.7635 PLN/USD (range ≈ $1,275–$2,230). Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notes
- Residents are covered by mandatory public insurance (NFZ); private cover is optional. Most people buy only a cheaper OUTPATIENT subscription (LuxMed/Medicover ≈150–250 PLN/mo ≈ $600/yr) and use the public system for hospital care. This figure is the with-inpatient comprehensive tier, chosen to be comparable with other countries' comprehensive plans (the earlier $603 was an outpatient-only subscription mislabelled as comprehensive).
Money & crypto
Crypto regulationLegal regulated8.0Legal regulated8.0
What this measures
Own classification of the legal status of holding, trading and cashing out cryptocurrency for individuals: legal-friendly (legal with clear, favourable rules or explicit tax exemptions), legal-regulated (legal under standard licensing/AML and taxation), restricted (partial bans: payments or banking access prohibited), banned (holding/trading prohibited). Classified from national regulators' and central banks' official positions.
Bulgaria
Official source
- Data as of
- Jul 1, 2026
- Verified
- Jul 14, 2026
- Notes
- Crypto is legal. Individual gains from crypto disposals are taxed as investment income at the 10% flat rate (a 10% deemed-cost deduction makes the effective rate ~9%), declared on Annex 5 of the annual return. MiCA is fully in force EU-wide; crypto-asset service providers must be licensed by the Financial Supervision Commission (FSC), transitional-regime deadline 1 July 2026. Supervisor FSC (fsc.bg); tax authority НАП (nap.bg).
Poland
Polish tax authority — disposal of virtual currencies (PIT-38, 19%)
Official source
- Data as of
- Jul 1, 2026
- Verified
- Jul 3, 2026
- Notes
- Holding/trading legal for individuals; 19% flat tax on disposal gains (crypto-to-crypto swaps untaxed). EU MiCA applies; Poland's domestic implementing act was vetoed (latest 2026-06-11), so local CASP licensing is stalled — EU-passported providers serve the market.
Financial control levelLow10.0Low10.0
What this measures
Own composite of state control over personal money flows: currency/capital controls (IMF AREAER), restrictions on foreign accounts and transfers, mandatory income declaration scope for residents, cash payment limits, banking access for foreigners. Low = free movement of personal funds and easy non-resident banking; very-high = strict capital controls and pervasive reporting. Method field on each value lists the inputs used.
Bulgaria
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Method
- Composite: Bulgaria adopted the euro on 1 Jan 2026 (fixed 1 EUR = 1.95583 BGN); EU member with full free movement of capital, no capital controls or currency-conversion limits. The only notable restriction is a domestic cash-payment ceiling (Law on Limitation of Cash Payments): payments at/above ~€5,113 (BGN 10,000) must be non-cash — a routine AML measure. The EU-wide €10,000 cash cap applies from 2027. No limits on holding foreign currency or cross-border transfers → 'low'.
Poland
biznes.gov.pl — cash payment limits (art. 19 Prawo przedsiębiorców)
Curated by SettleMetric
- Data as of
- May 3, 2026
- Verified
- Jul 3, 2026
- Method
- Composite: no currency/capital controls for EU/OECD flows (Prawo dewizowe, Dz.U. 2024 poz. 1131); PLN fully convertible; B2B cash cap 15,000 PLN per transaction, no consumer cash limit; no FBAR-style foreign-account disclosure (NBP statistical reporting only above 7M PLN of foreign assets); standard EU CRS via banks.
Infrastructure
Domestic delivery qualityExcellent10.0Excellent10.0
What this measures
Quality of in-country parcel delivery. excellent = nationwide next-day widely available, dense parcel-locker network, real-time tracking standard; good = 1–3 day delivery, lockers in major cities; basic = reliable but slow (3–7 days), mostly to-door or post-office pickup; poor = unreliable delivery, street addresses often unusable, informal workarounds common. Classified from official service/coverage data of the national postal operator and the two largest private carriers; inputs itemized in each value's method field.
Bulgaria
Econt and Speedy — Bulgaria's dominant courier networks
Curated by SettleMetric
- Data as of
- Jul 1, 2026
- Verified
- Jul 14, 2026
- Method
- Econt and Speedy form a dense duopoly with nationwide office + automated-locker networks and next-day domestic delivery; cash-on-delivery ('наложен платеж') is the default e-commerce payment method. Fast, cheap, reliable → excellent.
Poland
InPost official news / carrier service pages (composite)
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 3, 2026
- Method
- InPost >28,000 parcel lockers (end-2025) with 98% next-day delivery and 763M parcels/yr; ORLEN Paczka ~14k pickup points; Poczta Polska 7.6k offices + 14.3k parcel points; DPD/DHL/GLS/UPS/FedEx nationwide. Next-day is the domestic norm.
International delivery easeMinor friction7.0Minor friction7.0
What this measures
Ease of receiving goods from abroad. seamless = major international carriers deliver door-to-door, meaningful duty-free de-minimis threshold, customs clearance predictable in days; minor-friction = carriers present but low de-minimis, extra paperwork or routine delays; significant-friction = frequent customs holds, high brokerage fees, some marketplaces refuse to ship; unreliable = parcels regularly lost or blocked, informal import channels dominate. De-minimis thresholds and clearance rules from the national customs authority (official source, cite the regulation); carrier presence from carriers' official pages.
Bulgaria
European Commission — removal of the €150 duty-free import threshold (EU-wide, from 1 July 2026)
Official source
- Data as of
- Jul 1, 2026
- Verified
- Jul 14, 2026
- Notes
- Intra-EU shipping is frictionless (single market/customs union). From 1 July 2026 the EU removes the €150 duty-free threshold for non-EU imports (a transitional flat per-item customs duty applies; VAT already collected since 2021). Minor friction on non-EU inbound parcels — the same EU regime as other member states.
Poland
European Commission — removal of the €150 customs duty exemption (Reg. EU 2026/382)
Official source
- Data as of
- Jul 1, 2026
- Verified
- Jul 3, 2026
- Notes
- Intra-EU shipping is frictionless (single market, all major carriers). Non-EU imports: the €150 duty-free threshold was removed on 2026-07-01 — a temporary flat €3/item duty applies to ≤€150 IOSS consignments (until the 2028 Customs Data Hub); VAT collected at checkout via IOSS. Predictable but no longer duty-free.
Internet speedMbps, median fixed download42.84.141.74.0
What this measures
Median fixed-broadband download speed over the trailing 6 months from M-Lab NDT open data (CC0), aggregated at country or city level. Not comparable with Ookla figures (different test methodology) — do not mix sources within this criterion.
Bulgaria
M-Lab NDT country aggregates for Bulgaria
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 14, 2026
- Method
- Median of the 343 daily country-median download values for BG in 2023 = 42.85 Mbps (139,790 download tests). M-Lab NDT is single-stream and understates real line speeds — Bulgaria has very fast, cheap fibre (commonly 100–1000 Mbps advertised) — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- Bulgaria is known for fast, inexpensive fixed broadband; the M-Lab single-stream median is used only for cross-country comparability on one consistent method.
Poland
M-Lab NDT country aggregates for Poland
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 3, 2026
- Method
- Median of 343 daily country medians, 563,348 tests (2023 — latest full year in M-Lab's public stats API; 2025/2026 files not yet published).
- Notes
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion.
Language
English proficiencyHigh7.0Very high9.0
What this measures
Own banding of how far English gets a resident in daily life (government offices, healthcare, housing, services). Informed by EF EPI band (research source, cited with attribution, not republished) plus official language status and service-sector realities. Values are our bands, not EF scores.
Bulgaria
EF EPI 2025 — Bulgaria (score 594, rank 18/123, High band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 14, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Bulgaria ranks #18 of 123, score 594 (global average 488), 'High Proficiency' band. English is broadly workable in Sofia's tech and service sectors and among younger Bulgarians; Bulgarian (Cyrillic) remains essential for administration and daily life outside the capital.
Poland
EF EPI 2025 (rank 15/123, score 600 — Very High band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 3, 2026
- Notes
- Own band informed by EF EPI (attribution: EF Education First); English is broadly workable in cities and the service sector, less so in offices/government.
Deep dives: taxes in Bulgaria ·taxes in Poland ·net-income calculator