Stamp Duty Calculator

Know your property tax before you buy.

Estimate the Stamp Duty Land Tax you may need to pay when buying a property and get a clearer picture of the upfront cost of your purchase.

Property purchase 2026/27

Your property price is only part of the buying cost.

Stamp Duty can add a significant upfront cost to a property purchase, depending on the property price and buyer circumstances.

Example property price £400,000 Before purchase costs
Stamp Duty SDLT
Buyer status Matters
Stamp Duty Calculator

Estimate the Stamp Duty on your property purchase.

Enter the purchase price and select the option that best describes your situation. The calculator provides an illustrative estimate of Stamp Duty Land Tax.

Tell us about the purchase

A few details can make the estimate more relevant to your circumstances.

£
The calculator is an educational estimate. Actual SDLT can depend on the property, buyer circumstances, transaction structure and the rules applicable when you complete.
Estimated result

Your Stamp Duty

2026/27
Estimated SDLT £7,500 Based on the selected purchase details
Property price £400,000
Effective rate 1.88%
Buyer type Standard
Price + SDLT £407,500
Estimated tax by purchase-price band
Lower band
£0
Middle band
£2,500
Higher band
£5,000
This estimate does not account for every possible relief, exemption or transaction-specific rule. Check the latest official SDLT guidance before completing a purchase.
What Is Stamp Duty?

A property purchase can involve more than the deposit.

Stamp Duty Land Tax, commonly called SDLT, is a tax that may apply when you buy a property or piece of land in England or Northern Ireland.

The amount depends on factors such as the purchase price, whether you are a first-time buyer and whether the purchase is an additional property.

Why Calculate It?

Include Stamp Duty when planning your buying budget.

A property price does not represent the complete upfront cost of buying a home. You may also need to account for legal fees, surveys, mortgage costs, moving expenses and Stamp Duty where applicable.

Estimating SDLT early can help you understand how much additional cash you may need alongside your deposit.

Buyer Circumstances

Your buyer status can change the calculation.

Stamp Duty treatment is not identical for every property purchase. The circumstances of the buyer and transaction can affect the amount payable.

HOME

Standard Purchase

This generally applies when purchasing a residential property without the specific circumstances associated with first-time buyer or additional-property treatment.

1ST

First-Time Buyer

Eligible first-time buyers may receive SDLT relief subject to the applicable purchase-price limits and rules.

+1

Additional Property

Buying an additional residential property can result in higher SDLT rates, depending on your circumstances and the transaction.

Property buying costs
SDLT Plan for property purchase costs
Before You Buy

Build Stamp Duty into your property budget.

Knowing the likely SDLT cost before making an offer can give you a more complete picture of the funds required to complete your purchase.

01 Start with the agreed or expected property purchase price.
02 Check whether you qualify for any first-time buyer relief or other applicable treatment.
03 Consider whether the purchase could be treated as an additional property.
04 Keep separate funds available for legal, mortgage, survey and moving costs.
Latest Insights

Property, mortgage and money insights.

Explore the latest GrowthSmartly articles covering mortgages, property costs, taxes, investing and personal finance.

Loading latest articles...
Stamp Duty Calculator
SDLT Understand your property purchase costs
Frequently Asked Questions

Stamp Duty Calculator FAQs

Common questions about Stamp Duty Land Tax and property purchase costs.

Stamp Duty Land Tax, or SDLT, is a tax that may be payable when buying property or land in England and Northern Ireland. The amount can depend on the purchase price and buyer circumstances.
Eligible first-time buyers can receive SDLT relief subject to the relevant purchase-price limits and conditions. Not every first-time buyer transaction will necessarily qualify.
Stamp Duty is normally a separate purchase cost rather than part of the property price. Whether you can borrow additional funds to cover it depends on the mortgage and lender circumstances.
Additional residential properties can be subject to higher SDLT rates. Whether the higher rates apply depends on the buyer's circumstances and the transaction.
No. It provides an illustrative estimate. The actual SDLT liability can depend on transaction-specific circumstances, reliefs, exemptions and the rules in force when the transaction completes.
SDLT is generally dealt with as part of the property transaction process, with the SDLT return and payment handled according to the applicable deadline after the transaction takes effect.
SDLT applies to property transactions in England and Northern Ireland. Scotland and Wales have different property transaction tax systems.

Plan the purchase. Understand the tax.

Estimate your Stamp Duty and explore more GrowthSmartly property and mortgage tools before making your next move.

Scroll to Top