BSD Calculator Singapore 2026

Quick answer: Buyer's Stamp Duty is the base stamp duty every Singapore property buyer pays regardless of citizenship or how many homes they own. Residential BSD is tiered: 1% on the first S$180k, 2% on the next S$180k, 3% on the next S$640k, 4% on the next S$500k, 5% on the next S$1.5M, and 6% above S$3M.

Buyer's Stamp Duty (BSD) is the base stamp duty every Singapore property buyer pays, regardless of citizenship or property count. It's charged on a tiered schedule per IRAS, meaning different bands of your purchase price are taxed at different rates. On a S$1.5M residential, BSD is around S$44,600, knowing exactly where the bill stacks helps you price-shop intelligently and time your cheque.

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How to read this result

BSD is payable within 14 days of signing the Option to Purchase (OTP) exercise or S&P, whichever is earlier.
CPF can be used to pay BSD on residential property (subject to CPF rules); cash is required for non-residential.
The top 6% band only triggers on residential above S$3M, most buyers never hit it.

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

Frequently asked questions

How is Buyer's Stamp Duty calculated in Singapore?

BSD is charged in tiers on the higher of purchase price or market value. Each band of the price is taxed at its own rate, from 1% on the first S$180k up to 6% above S$3M for residential property. On a S$1.5M home the BSD works out to roughly S$44,600. This calculator shows the exact amount in each tier.

Can I use CPF to pay Buyer's Stamp Duty?

For residential property you can generally use CPF to pay BSD, subject to CPF usage rules, though many buyers settle it in cash and reimburse from CPF afterward. For commercial or industrial property, CPF cannot be used and BSD must be paid in cash. Confirm the mechanics with your conveyancer before completion.

When is BSD due and what happens if I pay late?

BSD is payable within 14 days of signing the Option to Purchase exercise or the Sale and Purchase Agreement, whichever is earlier. If the document is executed overseas you get 30 days. Late stamping can trigger a penalty of up to four times the duty, so stamping on time is not optional.

Is BSD different for commercial property?

Yes. Commercial or industrial property uses a simpler schedule that tops out at 5% rather than the 6% residential band above S$3M. The lower tiers are the same up to S$1.5M. This calculator lets you toggle between residential and non residential property to see the correct tiered breakdown.

Does the 6% BSD band apply to most buyers?

No. The top 6% rate only applies to the portion of a residential price above S$3M, so most buyers never reach it. On a typical S$1.5M to S$2M purchase your highest band is 5%. Knowing exactly where your bill stacks helps you price shop and budget the cheque intelligently.