Your purchase
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Enter the purchase price and your buyer profile. See your Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) instantly — current IRAS rates, for HDB or private property.
All calculations happen locally in your browser — nothing is sent or stored.
Estimates only. BSD and ABSD are each rounded down to the nearest dollar, subject to IRAS's $1 minimum duty. BSD uses IRAS's tiered residential schedule (1%–6%, in effect since 15 Feb 2023). ABSD uses IRAS's rate table by buyer profile and property count (in effect since 27 Apr 2023, unchanged as of 2026). This tool does not account for remissions — including spousal transfers, the ABSD refund on selling your existing HDB within 6 months of a new purchase, or the Free Trade Agreement treatment that lets US, Iceland, Liechtenstein, Norway and Switzerland nationals pay Citizen-rate ABSD — nor Seller's Stamp Duty or Additional Conveyance Duties for entities. Verify your final figure at iras.gov.sg or with me before making an offer. Budgeting the purchase itself? Use the BTO calculator or renovation loan calculator next.
The calculator above applies these IRAS rates. Rates were last checked against IRAS on 26 October 2026; BSD has applied since 15 February 2023, ABSD since 27 April 2023 and the current SSD since 4 July 2025.
BSD applies to every residential purchase, HDB or private, on the higher of the price and market value. Each slice of the price is charged at its own rate, and the total is rounded down to the nearest dollar.
| Price or market value | BSD rate |
|---|---|
| First $180,000 | 1% |
| Next $180,000 | 2% |
| Next $640,000 | 3% |
| Next $500,000 | 4% |
| Next $1,500,000 | 5% |
| Remaining amount | 6% |
Worked examples: a $600,000 HDB resale flat pays $1,800 + $3,600 + $7,200 = $12,600 BSD. A $1,500,000 condo pays $1,800 + $3,600 + $19,200 + $20,000 = $44,600 BSD.
ABSD is charged on top of BSD, on the higher of the price and market value, according to who is buying and how many residential properties they will own. Joint buyers pay the highest rate that applies to any of them.
| Buyer | First property | Second property | Third and later |
|---|---|---|---|
| Singapore Citizen | 0% | 20% | 30% |
| Singapore Permanent Resident | 5% | 30% | 35% |
| Foreigner | 60% | 60% | 60% |
| Entity | 65% | 65% | 65% |
SSD applies when you sell a residential property within the holding period, on the higher of the price and market value. This calculator does not work out SSD.
| Sold within | Bought on or after 4 Jul 2025 | Bought 11 Mar 2017 to 3 Jul 2025 |
|---|---|---|
| 1 year | 16% | 12% |
| More than 1 year, up to 2 | 12% | 8% |
| More than 2 years, up to 3 | 8% | 4% |
| More than 3 years, up to 4 | 4% | None |
| More than 4 years | None | None |
Within 14 days after signing the document if it is signed in Singapore, or within 30 days after receiving it if it is signed overseas. IRAS charges penalties on late payment.
Sources: IRAS Buyer's Stamp Duty, Additional Buyer's Stamp Duty, Seller's Stamp Duty and When to pay stamp duty.
20% of the purchase price or market value, whichever is higher. A Singapore Citizen's first residential property is exempt from ABSD (0%); a third or subsequent property is charged at 30%.
5% on a Permanent Resident's first residential property, 30% on the second, and 35% on the third and subsequent properties.
60% of the purchase price or market value, whichever is higher, regardless of whether it is the buyer's first property in Singapore. Nationals of the US, Iceland, Liechtenstein, Norway and Switzerland are treated as Singapore Citizens for stamp duty under Singapore's Free Trade Agreements.
No. BSD uses the same tiered rate table — 1% to 6% depending on price — for both HDB resale flats and private residential property. ABSD, where it applies, is calculated on top of BSD.
Buyer's Stamp Duty at the usual tiered rates, plus ABSD: 20% for a Singapore Citizen and 30% for a Permanent Resident. A Singapore Citizen buying a second property at $1,500,000 pays $44,600 BSD and $300,000 ABSD, $344,600 in total.
SSD is charged when you sell a residential property within the holding period. For property bought on or after 4 July 2025, it is 16% if sold within one year, 12% in the second year, 8% in the third and 4% in the fourth, on the higher of the price and market value. No SSD is payable after four years.
Within 14 days after signing the document if it is signed in Singapore, or within 30 days after receiving it if it is signed overseas. For most purchases that document is the exercised Option to Purchase or the Sale and Purchase Agreement. Late payment attracts penalties.
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