🏠 Stamp Duty Calculator

What This Site Does

My Stamp Duty is a free calculator for UK property buyers to instantly calculate Stamp Duty Land Tax (SDLT) on residential property purchases in England and Northern Ireland.

Who It's For

This calculator is designed for anyone buying residential property in England or Northern Ireland, including first-time buyers, home movers, and those looking to understand their tax obligations before making an offer. Whether you're buying your first home or moving up the property ladder, this tool provides accurate calculations based on current HMRC rates.

How It Works

• Enter the purchase price of the property you're buying
• Select whether you're a standard buyer or first-time buyer
• Get instant calculation of your stamp duty liability
• See a detailed breakdown showing tax by rate band
• Understand how first-time buyer relief can save you money

All calculations are performed in your browser. No data is collected or stored. Rates are based on current HMRC guidelines for 2026.

What is Stamp Duty?

Stamp Duty Land Tax (SDLT) is a tax you pay when you buy a property or land in England and Northern Ireland. The amount you pay depends on the price of the property and whether you're a first-time buyer.

Standard Stamp Duty Rates

Property Price	Rate
Up to £250,000	0%
£250,001 to £925,000	5%
£925,001 to £1,500,000	10%
Over £1,500,000	12%

First-Time Buyer Relief

If you're a first-time buyer purchasing a property for £625,000 or less, you may benefit from reduced stamp duty rates:

Property Price	Rate
Up to £425,000	0%
£425,001 to £625,000	5%

Note: First-time buyer relief is not available for properties over £625,000. Standard rates apply instead.

Who Qualifies as a First-Time Buyer?

• You've never owned a property anywhere in the world
• Your partner (if buying jointly) has never owned a property either
• The property costs £625,000 or less
• You intend to live in the property as your main residence

Additional Property Surcharge

When Do You Pay Stamp Duty?

You must pay stamp duty within 14 days of completing your property purchase. Your solicitor or conveyancer usually handles this payment on your behalf and adds it to your completion costs.

Scotland and Wales

This calculator is for England and Northern Ireland only. Scotland has Land and Buildings Transaction Tax (LBTT), and Wales has Land Transaction Tax (LTT), which have different rates and thresholds.

Frequently Asked Questions

Do I pay stamp duty on the full property price?

No. Stamp duty is charged in bands, similar to income tax. You pay different rates on different portions of the property price. For example, on a £300,000 property, you pay 0% on the first £250,000 and 5% on the remaining £50,000.

Can I avoid paying stamp duty?

You can't legally avoid stamp duty, but you may be able to reduce it by:

• Using first-time buyer relief if eligible
• Negotiating separate prices for fixtures and fittings (not subject to stamp duty)
• Buying a property under the threshold (currently £250,000)

What happens if I don't pay stamp duty?

Failing to pay stamp duty can result in penalties and interest charges from HMRC. You may also face difficulties selling the property in the future.

Is stamp duty different for shared ownership?

Yes. With shared ownership, you can choose to either pay stamp duty on the share you're buying now, or on the full property value upfront. Your solicitor can advise on the best option.