Singapore Seller's Stamp Duty (SSD) Calculator
Calculate Seller's Stamp Duty (12%, 8%, 4%) when disposing of residential property within 3 years, and compare net profit across holding tiers.
Calculate Seller's Stamp Duty (12%, 8%, 4%) when disposing of residential property within 3 years, and compare net profit across holding tiers.
Calculate Seller's Stamp Duty (12%, 8%, 4%) when disposing of residential property within 3 years, and compare net profit across holding tiers. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
IRAS 3-year holding period sliding tax tiers
SSD = \max(Selling\ Price, Market\ Value) \times Rate_{SSD} \\
Rate_{SSD} = \begin{cases} 12\%, & Holding\le 1\ yr \\ 8\%, & 1 < Holding \le 2\ yr \\ 4\%, & 2 < Holding \le 3\ yr \\ 0\%, & Holding > 3\ yr \end{cases} \\
Net\ Gain = Selling\ Price - Purchase\ Price - SSD - CostsTo prevent speculative property flipping, Singapore levies Seller's Stamp Duty (SSD) on residential properties sold within 3 years of acquisition. Rates on the higher of selling price or market value are: 12% (within 1 yr), 8% (within 2 yrs), 4% (within 3 yrs), and 0% (thereafter).
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
The holding period starts on the exact date you acquired the property (exercising the Option to Purchase or Sale & Purchase Agreement) and ends on the date you grant the OTP to the new buyer.
Yes! SSD is levied on the gross selling price (or market valuation), not on net profit. Even if you sell at a substantial loss, the mandatory 4% to 12% SSD still applies if sold within 3 years.
Commercial properties are exempt from residential SSD. HDB flats are subject to a mandatory 5-year Minimum Occupation Period (MOP); once MOP is fulfilled, the 3-year SSD holding window has already lapsed, making SSD inapplicable under normal circumstances.
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