Bulgaria vs. Georgia
Bulgaria va por delante en legalización, seguridad, infraestructura. Georgia va por delante en impuestos, dinero y cripto, sanidad. Abajo, los datos criterio por criterio.
Verificado
Marcador
Las cifras clave cara a cara, con el lado más fuerte señalado. La puntuación global es decorativa; lo que importa es qué datos encajan contigo.
Resultado principal
Empate: 2 de 6 cada uno
Bulgaria
2
Georgia
2
NSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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).
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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.
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Notas
- 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.
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
M-Lab NDT country aggregates for Bulgaria
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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.
M-Lab NDT country aggregates for Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country medians (download_MED), 47,852 download tests (2023 — latest full year in M-Lab's public stats API; the 2024 file is only Jan–Mar, and 2025/2026 are not yet published). Georgia sits under continent code AS in M-Lab.
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cross-check: the World Bank's July-2024 median of ~20 Mbps (Ookla-derived, so not citable here) is consistent with this once the M-Lab-reads-low offset is accounted for. Speeds are trending up (~10%/yr: M-Lab yearly medians ran 9.7 in 2020 → 15.8 in 2023), so multi-year pooling would understate current speed; the latest full year is used instead. GNCC/comcom.ge publishes operator quality-of-service measurements (e.g. Magticom fixed ~56 Mb/s advertised-tier average, 2025/26) but no national measured median, and its own speed commentary relies on the same Ookla data we can't redistribute.
EF EPI 2025 — Bulgaria (score 594, rank 18/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 14 jul 2026
- Notas
- 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.
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
Curated market survey of Bulgarian voluntary health insurers (2026)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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).
- Notas
- 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.
Georgian insurers (Ardi, GPI, Imedi L) — comprehensive-tier plans
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Midpoint of comprehensive local plans: Ardi Medi Premium from ~$340/yr up to market comprehensive ~$795/yr (converted at 2.6431 GEL/USD). Expat international plans run higher ($1,000–2,000/yr).
- Notas
- Georgian insurers quote by callback rather than public age-rated engines, so this is a curated market midpoint for local comprehensive cover, not a bound quote.
Veredicto
Cada perspectiva pondera solo los datos que importan a ese plan y dice a qué lado favorece.
Informática remota / autónomo
Contrato o trabajo por cuenta propia en tecnología, facturando a clientes de fuera.
Bulgaria encaja mejor: 2 de 5
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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.
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
M-Lab NDT country aggregates for Bulgaria
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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.
M-Lab NDT country aggregates for Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country medians (download_MED), 47,852 download tests (2023 — latest full year in M-Lab's public stats API; the 2024 file is only Jan–Mar, and 2025/2026 are not yet published). Georgia sits under continent code AS in M-Lab.
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cross-check: the World Bank's July-2024 median of ~20 Mbps (Ookla-derived, so not citable here) is consistent with this once the M-Lab-reads-low offset is accounted for. Speeds are trending up (~10%/yr: M-Lab yearly medians ran 9.7 in 2020 → 15.8 in 2023), so multi-year pooling would understate current speed; the latest full year is used instead. GNCC/comcom.ge publishes operator quality-of-service measurements (e.g. Magticom fixed ~56 Mb/s advertised-tier average, 2025/26) but no national measured median, and its own speed commentary relies on the same Ookla data we can't redistribute.
EF EPI 2025 — Bulgaria (score 594, rank 18/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 14 jul 2026
- Notas
- 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.
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
NSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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).
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Econt and Speedy — Bulgaria's dominant courier networks
Recopilado por SettleMetric
- Datos a fecha de
- 1 jul 2026
- Verificado
- 14 jul 2026
- Método
- 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.
Georgian Post + courier service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Georgian Post ~500 branches nationwide (1–3 day domestic parcels, some lockers/pickup points); Wolt Drive and Glovo last-mile in Tbilisi/Batumi; DHL/FedEx/UPS present. Dense and reliable in cities; locker density and nationwide same-day coverage thinner than EU leaders → good, not excellent.
Familia
Mudarse con pareja e hijos en edad escolar.
Muy reñido para este plan
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Notas
- 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.
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
Curated market survey of Bulgarian voluntary health insurers (2026)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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).
- Notas
- 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.
Georgian insurers (Ardi, GPI, Imedi L) — comprehensive-tier plans
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Midpoint of comprehensive local plans: Ardi Medi Premium from ~$340/yr up to market comprehensive ~$795/yr (converted at 2.6431 GEL/USD). Expat international plans run higher ($1,000–2,000/yr).
- Notas
- Georgian insurers quote by callback rather than public age-rated engines, so this is a curated market midpoint for local comprehensive cover, not a bound quote.
EF EPI 2025 — Bulgaria (score 594, rank 18/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 14 jul 2026
- Notas
- 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.
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
Dinero y cripto
Optimizar impuestos, banca y normas sobre cripto.
Georgia encaja mejor: 2 de 3
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 14 jul 2026
- Notas
- 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).
National Bank of Georgia — Virtual Asset Service Providers
Fuente oficial
- Datos a fecha de
- 1 jul 2023
- Verificado
- 3 jul 2026
- Notas
- Individuals pay 0% income tax on crypto gains (Minister of Finance Public Decision N201, 2019 — crypto is not Georgian-source income for individuals) and crypto↔fiat exchange is VAT-exempt. Service providers must register as VASPs with the NBG (regime since 1 July 2023). Very favourable for individual holders, hence legal-friendly.
Fuente oficial
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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'.
US State Dept 2025 Investment Climate Statement (Georgia) / trade.gov
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- GEL freely convertible (float since 1998; IMF Article VIII since 1996); no capital controls; funds transfer abroad freely (except sanctioned destinations); no routine cash caps or resident foreign-account exit restrictions.
- Notas
- Caveat: since Georgia joined CRS (2024) and post-2022 de-risking, non-resident bank account onboarding has become notably stricter (source-of-funds documentation, some rejections). The FX regime itself is open; the friction is at bank KYC.
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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.
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
Vida tranquila
Priorizar la seguridad, el aire y una vida diaria sencilla.
Bulgaria encaja mejor: 1 de 2
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=BG)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Notas
- 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.
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
NSI Bulgaria — Income, Expenditure and Consumption of Households in 2024 (Household Budget Survey)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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).
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Detalles
Impuestos
01+−Freelancer tax burden% effective burden at €60k/year self-employed profileBulgaria18,1Georgiamejor1
Qué mide esto
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
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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.
Georgia
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
Legalización
01+−Remote-work legalization easeBulgariamejorDedicated nomad visaGeorgiaLong stay path
Qué mide esto
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
Fuente oficial
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Notas
- 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.
Georgia
Government Ordinance N255 — visa-free entry
Fuente oficial
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Notas
- Exceptionally easy in practice: ~94 nationalities (incl. all EU, US, UK, Ukraine, Russia) may stay visa-free for a full year and register an Individual Entrepreneur with 1% Small Business Status the same day — no residence permit needed. Scored as a long-stay path; there is no formal 'digital nomad visa' and the year of visa-free stay does not itself build toward permanent residence.
Coste de vida
01+−Cost of living (single, excl. rent)USD/month, single person, excluding rentBulgaria460Georgia220
Qué mide esto
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)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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).
Georgia
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Gasto mensual por categoría (sin alquiler)
NSI Bulgaria — Household Budget Survey 2024 (consumer expenditure by group)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Método
- Each NSI 2024 COICOP group (BGN/capita/yr) converted ÷12 ÷1.95583 ×1.1399. Items sum ≈ $460, matching the headline. NSI merges recreation+culture+education and folds restaurants/hotels into food/misc; housing line is utilities only (no rent, per the HBS convention).
Geostat — Households Expenditures survey 2025 (category shares)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 per-capita consumption shares (food 38.7%, transport 11.4%, healthcare 11.0%, etc.) applied to the ~$220/mo excl-rent base and converted at 2.6431 GEL/USD. Georgia's very high food share is characteristic of the income level. National average — rent shown separately.
Vivienda
Alquiler por tipo de vivienda
Alquiler de oferta: precio en el centro, con el de fuera del centro entre paréntesis ($/mes).
SettleMetric — population-weighted average of covered cities (Plovdiv, Sofia)
Recopilado por SettleMetric
- Datos a fecha de
- 14 jul 2026
- Verificado
- 14 jul 2026
- Método
- Population-weighted mean of the rent-breakdown matrices of Plovdiv, Sofia; each cell averages the cities that report it. See each city page for its exact local matrix.
SettleMetric — population-weighted average of covered cities (Batumi, Tbilisi)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Population-weighted mean of the rent-breakdown matrices of Batumi, Tbilisi; each cell averages the cities that report it. See each city page for its exact local matrix.
Seguridad
01+−Homicide rateintentional homicides per 100,000/yearBulgariamejor1,2Georgia2
Qué mide esto
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)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 14 jul 2026
- Notas
- 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.
Georgia
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
Sanidad
01+−Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-oldBulgaria820Georgiamejor450
Qué mide esto
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)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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).
- Notas
- 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.
Georgia
Georgian insurers (Ardi, GPI, Imedi L) — comprehensive-tier plans
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Midpoint of comprehensive local plans: Ardi Medi Premium from ~$340/yr up to market comprehensive ~$795/yr (converted at 2.6431 GEL/USD). Expat international plans run higher ($1,000–2,000/yr).
- Notas
- Georgian insurers quote by callback rather than public age-rated engines, so this is a curated market midpoint for local comprehensive cover, not a bound quote.
Dinero y cripto
01+−Crypto regulationBulgariaLegal regulatedGeorgiamejorLegal friendly
Qué mide esto
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
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 14 jul 2026
- Notas
- 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).
Georgia
National Bank of Georgia — Virtual Asset Service Providers
Fuente oficial
- Datos a fecha de
- 1 jul 2023
- Verificado
- 3 jul 2026
- Notas
- Individuals pay 0% income tax on crypto gains (Minister of Finance Public Decision N201, 2019 — crypto is not Georgian-source income for individuals) and crypto↔fiat exchange is VAT-exempt. Service providers must register as VASPs with the NBG (regime since 1 July 2023). Very favourable for individual holders, hence legal-friendly.
02+−Financial control levelBulgariaLowGeorgiaLow
Qué mide esto
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
Fuente oficial
- Datos a fecha de
- 1 ene 2026
- Verificado
- 14 jul 2026
- Método
- 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'.
Georgia
US State Dept 2025 Investment Climate Statement (Georgia) / trade.gov
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- GEL freely convertible (float since 1998; IMF Article VIII since 1996); no capital controls; funds transfer abroad freely (except sanctioned destinations); no routine cash caps or resident foreign-account exit restrictions.
- Notas
- Caveat: since Georgia joined CRS (2024) and post-2022 de-risking, non-resident bank account onboarding has become notably stricter (source-of-funds documentation, some rejections). The FX regime itself is open; the friction is at bank KYC.
Infraestructura
01+−Domestic delivery qualityBulgariamejorExcellentGeorgiaGood
Qué mide esto
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
Recopilado por SettleMetric
- Datos a fecha de
- 1 jul 2026
- Verificado
- 14 jul 2026
- Método
- 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.
Georgia
Georgian Post + courier service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Georgian Post ~500 branches nationwide (1–3 day domestic parcels, some lockers/pickup points); Wolt Drive and Glovo last-mile in Tbilisi/Batumi; DHL/FedEx/UPS present. Dense and reliable in cities; locker density and nationwide same-day coverage thinner than EU leaders → good, not excellent.
02+−International delivery easeBulgariaMinor frictionGeorgiaMinor friction
Qué mide esto
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)
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 14 jul 2026
- Notas
- 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.
Georgia
Revenue Service of Georgia — customs procedures
Fuente oficial
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Notas
- Georgia is outside the EU/EAEU. Personal-import de minimis: 300 GEL (≈ $113) and ≤ 30 kg, once per calendar month, exempt; above that, 18% import VAT + 0–12% duty + a small customs fee. All major integrators (DHL, FedEx, UPS, Aramex) present. Predictable but the low monthly de-minimis cap adds friction.
03+−Internet speedMbps, median fixed downloadBulgariamejor42,8Georgia15,8
Qué mide esto
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
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 14 jul 2026
- Método
- 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.
- Notas
- 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.
Georgia
M-Lab NDT country aggregates for Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country medians (download_MED), 47,852 download tests (2023 — latest full year in M-Lab's public stats API; the 2024 file is only Jan–Mar, and 2025/2026 are not yet published). Georgia sits under continent code AS in M-Lab.
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cross-check: the World Bank's July-2024 median of ~20 Mbps (Ookla-derived, so not citable here) is consistent with this once the M-Lab-reads-low offset is accounted for. Speeds are trending up (~10%/yr: M-Lab yearly medians ran 9.7 in 2020 → 15.8 in 2023), so multi-year pooling would understate current speed; the latest full year is used instead. GNCC/comcom.ge publishes operator quality-of-service measurements (e.g. Magticom fixed ~56 Mb/s advertised-tier average, 2025/26) but no national measured median, and its own speed commentary relies on the same Ookla data we can't redistribute.
Idioma
01+−English proficiencyBulgariaHighGeorgiaHigh
Qué mide esto
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)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 14 jul 2026
- Notas
- 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.
Georgia
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
En profundidad: impuestos en Bulgaria ·impuestos en Georgia ·calculadora de ingreso neto