Total Property Stamp Duty Calculator

Adds BSD and ABSD together so you know the full stamp duty bill before you sign an option to purchase.

Result

Buyer's Stamp Duty
S$32,600.00
Additional Buyer's Stamp Duty
S$0.00
Total stamp duty
S$32,600.00
Total as % of price
2.72%

How to use the total property stamp duty calculator

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

Formula

Total = BSD (tiered 1%–6%) + ABSD (price × ABSD rate for your profile).

Worked example

For example, with these inputs:

the calculator returns:

Background

CPF Ordinary Account savings can pay for the downpayment, stamp duties and monthly instalments, but using CPF reduces the money compounding for retirement, and the amount withdrawn plus accrued interest must be refunded to your CPF account when you sell.

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.

Frequently asked questions

How does the total property stamp duty calculator work?

It applies this formula: Total = BSD (tiered 1%–6%) + ABSD (price × ABSD rate for your profile).

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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