Seller's Stamp Duty (SSD) Calculator

Calculates SSD for residential property bought on or after 4 July 2025 and sold within four years.

Result

Seller's Stamp Duty
S$240,000.00

How to use the seller's stamp duty (ssd) calculator

  1. Enter the selling price or market value (S$).
  2. Enter the how long you held the property.
  3. The results update as you type, or press Calculate.
  4. Read the seller's stamp duty first, then the supporting figures below it.

Formula

16% if sold within one year, 12% in year two, 8% in year three, 4% in year four, and nothing after that.

Worked example

For example, with these inputs:

the calculator returns:

Good to know: Properties bought before 4 July 2025 follow the older three-year schedule (12%, 8%, 4%).

Background

Most Singaporeans live in HDB flats, which can be financed with an HDB concessionary loan at 0.1% above the CPF Ordinary Account rate or with a bank loan. Private property must be financed with a bank loan, and banks offer fixed, floating and SORA-pegged packages.

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

How does the seller's stamp duty (ssd) calculator work?

It applies this formula: 16% if sold within one year, 12% in year two, 8% in year three, 4% in year four, and nothing after that.

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.

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