Tool
Seller's Stamp Duty Calculator (Singapore)
SSD applies when you sell a private residential property within the holding period from when you bought it. HDB flats are not subject to SSD. To see the full cash you would walk away with after selling, use the sale proceeds calculator.
Seller's Stamp Duty
Fill in the price and both dates.
SSD applies to residential property sold within the holding period. Rates for a purchase on or after 4 Jul 2025: 16 / 12 / 8 / 4 % over four years. For a purchase from 11 Mar 2017 to 3 Jul 2025: 12 / 8 / 4 % over three years. HDB flats are not subject to SSD. IRAS rounds SSD down to the nearest dollar. Rates as of 2025-07-04.
This calculator gives an estimate for general guidance only. It is not financial, legal or tax advice, and it is not an offer of a loan or a valuation. Your actual figures depend on your full circumstances and the current rules and rates of IRAS, HDB, CPF, MAS and the banks. Confirm every number with the relevant authority and your banker or lawyer before you commit. Rules and rates last checked 2026-09-03.
Understanding SSD
Frequently asked questions
How much is Seller's Stamp Duty in Singapore?
For private residential property bought on or after 4 July 2025: 16% of the sale price if sold within 1 year, 12% within 2 years, 8% within 3 years, 4% within 4 years, and nil after that. For a purchase from 11 March 2017 to 3 July 2025: 12%, 8%, 4% over three years, nil after.
Do HDB flats pay SSD?
No. HDB flats are never subject to Seller's Stamp Duty. The Minimum Occupation Period (MOP) is what restricts when an HDB flat can be sold.
Who pays SSD — the buyer or the seller?
The seller. It is deducted from the sale proceeds at completion, and IRAS rounds it down to the nearest dollar.
What counts as the holding period?
The time between the date you acquired the property (usually the Option date or the date the S&P was signed) and the date you sell. SSD is charged on the higher of the sale price or the market value.
Related: What is Seller's Stamp Duty · Sale proceeds calculator