Singapore Stamp Duty Calculator
Calculate your Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) for Singapore property purchases. Uses 2025 IRAS rates. All calculations are private and run in your browser.
How Singapore Stamp Duty Works
When you purchase property in Singapore, you are liable for two main stamp duties. Buyer's Stamp Duty (BSD) applies to all buyers on all property types. Additional Buyer's Stamp Duty (ABSD) applies on top of BSD for certain buyer profiles — primarily second-time buyers, PRs, and foreigners. Both must be paid within 14 days of signing the Option to Purchase (OTP) or Sale and Purchase Agreement (S&P).
BSD rates are progressive, calculated on the purchase price or market value (whichever is higher). As of 2023, properties above S$1.5 million attract a 5% BSD tier, and those above S$3 million attract 6%. For non-residential properties, the top BSD rate is 5% on amounts above S$1 million.
ABSD Rates 2025 (Revised April 2023)
ABSD was significantly increased in April 2023 to cool Singapore's property market. Singapore Citizens buying their first home pay 0% ABSD. Citizens buying a second residential property pay 20%, and a third or subsequent property incurs 30%. Singapore PRs pay 5% on their first property, 30% on the second, and 35% thereafter. Foreigners — regardless of which property number — pay a flat 60% ABSD. Entities and companies pay 65%.
HDB flats and Executive Condominiums (ECs) under the Minimum Occupation Period (MOP) are also subject to ABSD rules. If you are purchasing a replacement flat, the ABSD remission for married couples may apply, but you must sell the original property within 6 months of purchasing the new one.
BSD for Non-Residential Property
Non-residential properties (commercial, industrial, mixed-use) use a separate BSD schedule. The rates are: 1% on the first S$180,000, 2% on the next S$180,000, 3% on the next S$640,000, and 4% on the amount between S$1 million and S$1.5 million, and 5% on amounts exceeding S$1.5 million. ABSD does not apply to non-residential purchases.
Planning Your Property Purchase
Stamp duty is a significant upfront cost that affects affordability calculations. For example, a Singapore Citizen buying a S$1.5M second property faces S$44,600 in BSD plus S$300,000 in ABSD — a total of S$344,600 before any other purchase costs. Always factor stamp duty into your budget alongside legal fees, valuation fees, and renovation costs. IRAS allows stamp duty to be paid via GIRO, bank transfer, or PayNow.