Updated for 2026
Singapore Stamp Duty Calculator
Calculate BSD and ABSD instantly for any property purchase. Uses official IRAS rates effective from April 2023.
Stamp Duty Calculator
S$
$100K$10M
Singapore Citizen — 1st property
BSD
S$44,600
ABSD (0%)
S$0
Total Stamp Duty
S$44,600
BSD Breakdown
$0 – $180,000
@ 1%S$1,800
$180,000 – $360,000
@ 2%S$3,600
$360,000 – $1,000,000
@ 3%S$19,200
$1,000,000 – $1,500,000
@ 4%S$20,000
Total stamp duty is 3.0% of the purchase price
2026 BSD Rate Table
| Purchase Price | Rate |
|---|---|
| $0 – $180,000 | 1% |
| $180,000 – $360,000 | 2% |
| $360,000 – $1,000,000 | 3% |
| $1,000,000 – $1,500,000 | 4% |
| $1,500,000 – $3,000,000 | 5% |
| Above $3,000,000 | 6% |
2026 ABSD Rate Table
| Buyer Profile | Rate |
|---|---|
| Singapore Citizen — 1st residential property | 0% |
| Singapore Citizen — 2nd residential property | 20% |
| Singapore Citizen — 3rd and subsequent | 30% |
| Singapore PR — 1st residential property | 5% |
| Singapore PR — 2nd residential property | 30% |
| Singapore PR — 3rd and subsequent | 35% |
| Foreigner — any residential property | 60% |
| Entity — any residential property | 65% |
| Trustee — any residential property | 65% |
Effective from 27 April 2023. Source: IRAS.
Frequently Asked Questions
When do I need to pay stamp duty?
Stamp duty must be paid within 14 days of signing the Sale & Purchase Agreement (or Option to Purchase exercise date). Late payment attracts a penalty of up to 4x the original duty.
Can I get an ABSD refund?
Married Singapore Citizens who buy a 2nd property may apply for an ABSD refund if they sell their first property within 6 months of purchasing the second. Both spouses must be SCs, and the property must be bought in both names or in the name of one spouse.
Is BSD different for HDB and private property?
No. BSD rates are the same for all residential property types — HDB flats, condos, and landed houses. Only the ABSD rate varies, and that depends on the buyer's residency status and property count, not the property type.
How does stamp duty affect my total purchase cost?
Stamp duty is a significant upfront cost. For example, a Singapore Citizen buying their 2nd property at $1.5M would pay $44,600 in BSD plus $300,000 in ABSD — a total of $344,600, or about 23% of the purchase price. This is on top of the down payment, legal fees, and renovation costs.
See the full picture
Stamp duty is just one part of your property decision. Karui models mortgage servicing, CPF refunds, leasehold decay, and how it all fits your retirement plan.
This calculator is for informational purposes only. Stamp duty is calculated on the purchase price or market value, whichever is higher. Actual duty may differ. Consult IRAS or a property lawyer for official calculations. Rates effective from IRAS as of April 2023.