Calculate Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD)
This calculator estimates Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD) based on prevailing IRAS rate tables in Singapore. It is designed to help property buyers and HDB upgraders understand potential stamp duty obligations before exercising an Option to Purchase.
The figures generated are estimates for planning purposes only and do not replace official assessment by IRAS.
BSD / ABSD Calculator (Singapore)
Estimates only. Policies may change. Always verify with IRAS before committing.
How BSD Is Calculated in Singapore
Additional Buyer’s Stamp Duty (ABSD) applies primarily to residential property acquisitions and depends on:
Buyer profile (Singapore Citizen, SPR, Foreigner, Entity, Trustee)
Number of residential properties already owned
Whether there are joint purchasers with different profiles
In cases of joint buyers with different profiles, the highest applicable ABSD rate is applied to the full purchase value.
Certain remissions or special conditions may apply under specific regulatory frameworks. Buyers should seek clarification directly from IRAS or qualified professionals before making commitments.
Stamp Duty Considerations for HDB Upgraders
HDB upgraders should carefully consider stamp duty implications when planning their transition.
Temporary Dual Ownership
If the new property is purchased before selling the existing HDB flat, ABSD may apply based on the higher property count at the point of acquisition
Timing of Sale and Purchase
Completion dates and legal timelines affect whether dual ownership exists during the transaction process.
Cashflow Planning
Stamp duties are typically payable upfront. Buyers should ensure adequate liquidity and avoid overcommitting before formal loan approval.
For a broader upgrade affordability review, refer to:
Frequently Asked Questions About BSD and ABSD
Is BSD payable on all property purchases?
BSD is generally payable on property acquisitions in Singapore, based on the higher of the purchase price or market value, unless specifically exempted under IRAS regulations.
Does ABSD apply to HDB resale purchases?
ABSD may apply depending on the buyer’s profile and number of residential properties owned at the time of purchase. Eligibility and exemptions are subject to prevailing regulations.
When must stamp duty be paid?
Stamp duty must typically be paid within the prescribed timeframe after signing or exercising the relevant contractual document. Buyers should confirm deadlines directly with IRAS or their conveyancing solicitor.
Are there ABSD refunds or remissions?
Certain remissions may apply under specific regulatory schemes, subject to qualifying conditions. Buyers should consult IRAS guidelines or professional advisors for detailed clarification.
This calculator and the information provided on this page are for general planning and educational purposes only. They do not constitute financial, legal, tax, or investment advice.
Loan eligibility, CPF usage, stamp duties, and property policies are subject to prevailing regulations and the assessment of relevant authorities and financial institutions.
Actual loan approval, affordability assessment, and CPF withdrawal eligibility are determined solely by the respective banks and the CPF Board based on individual circumstances.
Andrew Koh is a licensed real estate salesperson under the Estate Agents Act (Singapore). Any property-related discussion provided on this website is general in nature and does not take into account individual financial circumstances, objectives, or needs.
Prospective buyers are encouraged to obtain an In-Principle Approval (IPA) from a licensed financial institution and to verify all policy matters with the relevant authorities before making any property commitment.
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