Buyer's Stamp Duty (BSD) Calculator

Calculates Buyer's Stamp Duty on a Singapore residential property using the tiered rates from 1% to 6%.

Result

Buyer's Stamp Duty
S$32,600.00
BSD as % of price
2.72%

How to use the buyer's stamp duty (bsd) calculator

  1. Enter the purchase price or market value, whichever is higher (S$).
  2. The results update as you type, or press Calculate.
  3. Read the buyer's stamp duty first, then the supporting figures below it.

Formula

1% on the first S$180,000, 2% on the next S$180,000, 3% on the next S$640,000, 4% on the next S$500,000, 5% on the next S$1.5 million and 6% above S$3 million.

Worked example

For example, with these inputs:

the calculator returns:

Background

The Total Debt Servicing Ratio limits monthly debt repayments to 55% of gross monthly income for any property loan, and the Mortgage Servicing Ratio limits the housing instalment to 30% of income for HDB flats and new executive condominiums. Banks apply a medium-term interest rate in these tests rather than the rate you will actually pay.

Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.

Frequently asked questions

When must BSD be paid?

Within 14 days of signing the agreement (or exercising the option to purchase) if signed in Singapore.

Can I pay BSD with CPF?

Yes, you can use CPF Ordinary Account savings to reimburse BSD, but you must pay IRAS in cash first.

How does the buyer's stamp duty (bsd) calculator work?

It applies this formula: 1% on the first S$180,000, 2% on the next S$180,000, 3% on the next S$640,000, 4% on the next S$500,000, 5% on the next S$1.5 million and 6% above S$3 million.

Should I rely on this before signing?

Use it to plan, then confirm the figures with your banker, lawyer or the IRAS stamp duty calculator before you exercise an option to purchase.

Guides for this calculator

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