SSD is the cost owners most often forget. Enter your figures to see what you would pay — and what waiting could save.
The holding period runs from the date you acquired the property, not when you moved in.
| Applicable rate | — |
| Chargeable amount | — |
| SSD payable | — |
Timing an exit around SSD can save more than any negotiation. If a sale is not urgent, it is worth planning.
Talk through your timing Read the SSD guideSeller’s Stamp Duty applies when you sell residential property within a set holding period of buying it. For properties bought on or after 4 July 2025 the period is four years, at 16%, 12%, 8% and 4%. For properties bought between 11 March 2017 and 3 July 2025 the period is three years, at 12%, 8% and 4%. After the holding period, SSD is zero.
SSD is charged on the higher of the sale price or the market value at the time of sale, so under-declaring achieves nothing.
This calculator gives indicative estimates only and does not constitute financial, legal, tax or investment advice. Stamp duty rates, cooling measures and CPF rules change, and the correct treatment depends on your specific circumstances — including your residency status, property count, ownership structure, marital status and the exact dates of your transaction.
Always verify current rates with IRAS and seek advice from your own conveyancing lawyer, tax adviser and banker before acting. Figures shown are rounded and exclude items such as renovation, agent fees on your next purchase, penalties for early loan redemption, and any outstanding property tax or maintenance.
Josh Tay · CEA Reg. No. R024656I · Arcadia Consulting Pte. Ltd. · Estate Agent Licence No. L3010893J