ABSD Calculator Singapore 2026

Quick answer: Additional Buyer's Stamp Duty is the surcharge on top of BSD when you buy residential property. Singapore Citizens pay 0% on the first home, 20% on the second and 30% on the third or more; PRs pay 5% then 30% then 35%; foreigners pay 60%; entities 65%.

Additional Buyer's Stamp Duty (ABSD) is the tax the government charges on top of BSD when you buy a second residential property, or a first as a PR, foreigner, or entity. After the April 2023 hike, ABSD can easily hit 20--65% of the purchase price, which means missing it in your budget is the single most expensive planning mistake in Singapore property. This calculator applies IRAS 2026 rates to your profile and property count, and returns the full BSD + ABSD breakdown.

Purchase price (SGD)

Buyer profile

Property count after purchase

Want to structure this to save on stamp duty? Book a consult BSD tiered breakdown

How to read this result

Total stamp duty is due in cash within 14 days of signing. CPF cannot be used for ABSD.
ABSD remission may apply for SC married couples buying a matrimonial home jointly, your conveyancer confirms eligibility.
If this number feels heavy, the fix is usually in the purchase sequence or ownership structure, not the price.

ABSD rates (2026): SC 1st 0% · 2nd 20% · 3rd+ 30% | PR 1st 5% · 2nd 30% · 3rd+ 35% | Foreigner 60% | Entity 65% + 5% non-remittable | SC + Foreigner joint highest rate applies (60%).

BSD tiers: 1% on first S$180k · 2% on next S$180k · 3% on next S$640k · 4% on next S$500k · 5% on next S$1.5M · 6% above S$3M (residential).

Figures are estimates for planning purposes. Verify with your banker and solicitor before committing.

Frequently asked questions

How much ABSD do I pay on a second property as a Singapore Citizen?

A Singapore Citizen pays 20% ABSD on a second residential property, charged on the higher of the purchase price or market value. On a S$1.5M purchase that is S$300,000 in ABSD, separate from and on top of the Buyer's Stamp Duty. This calculator returns both figures and the combined total for your exact price.

Can I use my CPF to pay ABSD?

No. ABSD must be paid in cash and is due within 14 days of signing the Option to Purchase or the Sale and Purchase Agreement. Unlike BSD, which CPF can cover on residential property, ABSD has no CPF route, so plan that working capital before you sign anything.

What ABSD rate applies when a Citizen buys jointly with a foreigner?

When buyers have different profiles, IRAS applies the highest applicable rate to the entire purchase price. So a Singapore Citizen buying jointly with a foreigner is assessed at the foreigner rate of 60% on the whole property, not a blend. Getting the ownership structure right before committing is where the real planning happens.

Do my overseas properties count toward my ABSD property count?

Yes. Your property count includes all residential properties you hold at the time of purchase, locally and overseas. If you already own a home abroad, your Singapore purchase may be treated as a second property and taxed accordingly. Declare honestly, because IRAS can reassess and claw back unpaid ABSD with penalties.

Can married couples avoid ABSD on their first home?

A married couple where at least one spouse is a Singapore Citizen, buying their first residential property jointly as their matrimonial home, may apply for ABSD remission. Couples where one is a Citizen and one a PR upgrading may also qualify. Your conveyancer confirms eligibility, since the conditions are specific and easy to fail.