Stamp Duty Calculator
Estimate UK stamp duty land tax (SDLT) on a property purchase.
Accounts for first-time buyer relief on properties up to £625,000.
Stamp duty (also called transfer tax, deed tax, or conveyance duty depending on the country) is a government tax paid when ownership of property changes hands. It is typically calculated as a percentage of the purchase price, often on a tiered (progressive) scale.
General formula: Stamp Duty = Σ (Band Width × Band Rate)
Most countries apply different rates to different price bands — like income tax brackets for property.
What each variable means:
- Band Width: the portion of the purchase price that falls within each tax bracket.
- Band Rate: the percentage applied to that portion.
- Effective Rate: total tax ÷ purchase price (always lower than the top marginal rate).
Worked example (UK SDLT, standard residential, 2024): Purchase price: £400,000
- £0–£250,000 at 0% = £0
- £250,001–£400,000 at 5% = £150,000 × 5% = £7,500
Total stamp duty = £7,500 (effective rate: 1.875%)
Worked example (Australian stamp duty, Victoria, approx.): Purchase price: AUD $600,000
- $0–$25,000 at 1.4% = $350
- $25,001–$130,000 at 2.4% = $2,520
- $130,001–$440,000 at 5% = $15,500
- $440,001–$600,000 at 6% = $9,600
Total ≈ AUD $27,970
Key points:
- First-home buyer concessions and exemptions are common: always check locally.
- Some jurisdictions charge additional surcharges for foreign buyers (5–15% extra).
- Stamp duty is generally due within 14–30 days of settlement.
How we build and check this calculator
This calculator runs entirely in your browser, so the numbers you enter stay on your device. The math behind it is written by hand and tested against worked examples and standard references before the page goes live.
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