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Stamp Duty Calculator

Enter the property price and duty rate to estimate the stamp duty payable.

Result

How it is calculated

The tool applies one flat percentage to the whole price: duty = price × rate ÷ 100 and total = price + duty. The price is the purchase price in dollars and the rate is a percent, so 3 means 3%. Results are rounded to cents and negative inputs give no result. This is a simplification. In many countries and regions stamp duty (or its equivalent, such as a transfer or land tax) is charged in bands, with a higher rate on each slice of the price above a threshold, and it can depend on whether you are a first-time buyer, a foreign buyer or buying a second home. The tool does none of that, and it does not add legal, registration or agent fees. If your rule is banded, work out the tax slice by slice or use a single blended rate you have already computed.

Worked example

A home costs 350,000 and the flat rate you enter is 3%. Duty: 350,000 × 3 ÷ 100 = $10,500.00. Total cost including duty: 350,000 + 10,500 = $360,500.00. So the buyer needs $10,500 on top of the price, before the deposit arrangement, legal fees or moving costs. If the local rate were 2.5% instead, the duty would be $8,750.

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Common mistakes

  • Applying one headline rate to the full price when the local system is banded. The rate for the top band applies only to the slice above its threshold, so a flat calculation overstates the tax.
  • Entering the rate as a decimal (0.03) instead of a percent (3); the duty comes out 100 times too small.
  • Using the loan amount instead of the purchase price, or the other way round, depending on what your jurisdiction taxes.
  • Forgetting that the total here covers only price plus duty. Solicitor, survey, registration and agent fees are not included.
  • Ignoring reliefs, surcharges or exemptions (first-time buyer, additional property, non-resident). They change the rate, so look up the rate that applies to your case before you enter it.

About this calculator

Stamp duty is a government tax levied on the purchase of property, historically applied via a physical stamp on the transfer deed and today calculated (in this simplified flat-rate model) as duty = property price × duty rate, added on top of the purchase price to get the buyer's total upfront cost. Real-world stamp duty schedules are often tiered or banded rather than a single flat rate, but the flat-rate calculation captures the core arithmetic buyers need for a quick estimate.

This calculator takes a property price and a duty rate and returns the duty owed and the total cost including duty. Home buyers use it early in a property search to budget for this often-overlooked upfront cost alongside the deposit and legal fees, while conveyancers, solicitors, and real estate agents use the same calculation when preparing a client's completion statement or advising on affordability.

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  • Editorial team

    If your local duty is banded, you can still use the tool one slice at a time. Enter the first slice of the price with its own rate, then the next slice with the next rate, and add the results by hand. For example, 125000 at 2 gives 2,500.00 and 225000 at 5 gives 11,250.00, which together make 13,750.00 on a 350000 purchase. Which bands apply where you are buying?

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