Stamp Duty Calculator UK – Calculate SDLT
Use our free UK Stamp Duty Calculator to estimate how much Stamp Duty Land Tax (SDLT) you may pay when buying a property in England or Northern Ireland. Calculate Stamp Duty for standard residential purchases, first-time buyers and second homes, with an instant breakdown of the applicable tax bands.
Calculate your Stamp Duty
Enter the property purchase price and choose the type of purchase to estimate the Stamp Duty Land Tax payable.
Enter the amount you expect to pay for the property.
Select the option that best describes your purchase. The additional-property option assumes higher-rate eligibility; do not use it for purchases below £40,000 or transactions qualifying for an exception.
Estimated SDLT for this property
Your SDLT band breakdown
Purchase cost breakdown
Property price£350,000
Stamp Duty£7,500
This is an estimate based on the purchase price and purchase type selected above. Your actual SDLT liability can differ depending on your circumstances and the transaction.
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How Stamp Duty works
Stamp Duty Land Tax, usually shortened to SDLT, may be payable when you purchase property or land in England or Northern Ireland.
SDLT is calculated progressively. Different portions of the purchase price can be taxed at different rates.
Eligible first-time buyers can benefit from different SDLT thresholds on qualifying purchases.
Higher SDLT rates can apply when you purchase an additional residential property.
How we estimate your Stamp Duty
The calculator divides the property price into the relevant SDLT bands and applies the appropriate tax rate to each portion.
Enter the property price
Tell us how much you expect to pay for the residential property.
Select your purchase type
Choose standard purchase, first-time buyer or additional property.
Apply the relevant bands
We calculate the tax due on each portion of the purchase price and add the amounts together.
What this Stamp Duty estimate assumes
The calculator is designed for straightforward residential property purchases in England and Northern Ireland.
The calculation uses residential SDLT rates rather than non-residential or mixed-use rates.
Selecting first-time buyer assumes every buyer qualifies. Owning a home previously, including outside the UK, can affect eligibility. Confirm your position with your conveyancer before relying on relief.
This option applies the higher bands; it does not decide whether you qualify for an exception or a main-residence replacement refund. Check the HMRC higher-rate eligibility guidance.
The estimate does not include company purchases, non-UK resident surcharges, mixed-use transactions or special reliefs.
Stamp Duty on a £295,000 home
Here is an example of a standard residential purchase in England or Northern Ireland.
This example illustrates how progressive SDLT bands work. Your own result will depend on the property price, purchase type and circumstances.
The first-time buyer price ceiling
Relief has a price ceiling, not just a higher marginal band: a qualifying £500,000 first home produces £10,000 SDLT, but at £500,001 the model uses standard rates on the whole purchase, producing £15,000.05. Keep SDLT separate from your deposit when budgeting, then use the Mortgage Repayment Calculator to explore the amount borrowed.
Stamp Duty FAQs
Common questions about Stamp Duty Land Tax and this calculator.
What is Stamp Duty Land Tax?
Stamp Duty Land Tax is a tax that may be payable when buying property or land in England or Northern Ireland.
Do first-time buyers pay Stamp Duty?
Eligible first-time buyers can receive SDLT relief. For a qualifying purchase of £500,000 or less, the first £300,000 is charged at 0% and the portion from £300,001 to £500,000 is charged at 5%.
What if my first home costs more than £500,000?
First-time buyer relief is not available when the purchase price exceeds £500,000. Standard residential rates are then normally used.
How much Stamp Duty do I pay on a second home?
When buying a second home or additional residential property in England or Northern Ireland, higher Stamp Duty Land Tax (SDLT) rates usually apply. These rates are generally 5 percentage points above the standard residential rates.
For example, purchasing an additional property for £300,000 would normally result in £20,000 of Stamp Duty, compared with £5,000 for a standard residential purchase.
To calculate Stamp Duty on a second home, enter your property price above and select "Additional property / second home". The calculator will show the estimated SDLT and a breakdown of the tax bands.
Some transactions qualify for exceptions or refunds, particularly when replacing a main residence. This calculator does not cover every special circumstance.
Does this calculator cover Scotland?
No. Scotland uses Land and Buildings Transaction Tax rather than Stamp Duty Land Tax.
Does this calculator cover Wales?
No. Wales uses Land Transaction Tax rather than Stamp Duty Land Tax.
About this Stamp Duty estimate
This calculator provides an illustrative estimate using published residential SDLT rates for England and Northern Ireland.
Check the latest residential Stamp Duty Land Tax rates and guidance on GOV.UK.
View GOV.UK SDLT rates →31 October 2026. Property tax rules can change, so official guidance should be checked before completing a transaction.
View GOV.UK SDLT guidance →Important: This calculator is for general information and illustration only. It is not tax, legal or financial advice. Your actual SDLT liability may depend on circumstances not included in this calculator.