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Stamp Duty & Property Tax Estimator
Estimate the stamp duty, registration fees and transfer taxes on a property purchase. Pick your country, enter the price and see the total extra cost of buying.
Pick your country, enter the property price, then press Calculate.
What Is a Stamp Duty and Property Tax Estimator?
When you buy a property you usually pay more than the price. Governments charge taxes and fees on the transfer of ownership, and they are often called stamp duty, transfer tax, registration fee or property transaction tax. These costs are due on top of the price, and they can run into thousands, so it is important to know them before you make an offer.
This estimator works out those upfront costs for you. For the United Kingdom it uses the real stamp duty bands, including first-time buyer relief and the surcharge for second homes. For the UAE, Saudi Arabia, India and Bangladesh it applies the usual percentage rates, and you can edit every rate to match your own deed or your state.
Remember that stamp duty is different from the yearly property tax you pay while you own the home. This tool covers the one-time cost of buying.
How to Use This Stamp Duty Estimator
- Select your country. The currency and the standard rules are filled in.
- Enter the property price. Use the price in the sale contract, or the government value if your country uses the higher of the two.
- For the UK, choose the buyer type and say whether you are a UK resident.
- For other countries, check the rates in the boxes and change them if your area is different. Add any fixed fees such as legal or agent costs.
- Press Calculate to see the total, the effective rate and a breakdown of every part.
Stamp Duty and Transfer Costs by Country
The table shows the rules behind the estimator. Rates are changed by governments, and local rules can differ, so confirm the final figure with your lawyer or the land registry. These rates were checked in October 2026.
| Country | What the buyer pays | Typical rate |
|---|---|---|
| England and Northern Ireland | Stamp Duty Land Tax in bands | 0% to 12% by band, 5% extra on second homes, 2% extra for non-residents |
| UAE (Dubai) | Land Department transfer fee | 4% of the price, plus fixed fees |
| Saudi Arabia | Real Estate Transaction Tax | 5% of the price |
| India | State stamp duty and registration fee | About 4% to 8% stamp duty and about 1% registration, by state |
| Bangladesh | Stamp duty, registration fee, local government tax | Often about 4% to 7% in total, depending on the area and the year |
How UK Stamp Duty Is Calculated
In England and Northern Ireland, stamp duty works like income tax. You pay each rate only on the part of the price that falls inside that band. For a standard home purchase the bands are:
- 0% on the first 125,000
- 2% on the part from 125,001 to 250,000
- 5% on the part from 250,001 to 925,000
- 10% on the part from 925,001 to 1,500,000
- 12% on anything above 1,500,000
First-time buyers pay 0% up to 300,000 and 5% on the part up to 500,000, but only if the price is 500,000 or less. If you already own another home, a surcharge of 5% is added to every band. Buyers who are not UK residents pay a further 2%. Scotland and Wales have their own taxes, which this estimator does not cover.
Stamp Duty Examples
| Case | Working | Result |
|---|---|---|
| UK home mover, 250,000 | 125,000 x 0% + 125,000 x 2% | 2,500 |
| UK home mover, 350,000 | 2,500 + 100,000 x 5% | 7,500 |
| UK first-time buyer, 350,000 | 50,000 x 5% above 300,000 | 2,500 |
| UK second home, 350,000 | 125,000 x 5% + 125,000 x 7% + 100,000 x 10% | 25,000 |
| UK home mover, 600,000 | 2,500 + 350,000 x 5% | 20,000 |
| Dubai, AED 1,000,000 | 1,000,000 x 4% | AED 40,000 |
| Saudi Arabia, SAR 1,000,000 | 1,000,000 x 5% | SAR 50,000 |
| India, 5,000,000 at 6% + 1% | 5,000,000 x 7% | 350,000 |
| Bangladesh, 5,000,000 at 1.5% + 1% + 2% | 75,000 + 50,000 + 100,000 | 225,000 |
Common Stamp Duty Mistakes
Applying one rate to the whole price. In the UK each rate applies only to its own band. Using the top rate on the full price gives a figure that is far too high.
Forgetting the second-home surcharge. A buyer who will own more than one home after the purchase usually pays the extra 5%, even on the first band that is normally free.
Using the contract price when the law uses a government value. In some countries the duty is charged on the higher of the declared price and the official value of the property.
Leaving out the other fees. Lawyer fees, agent commission, valuation, mortgage registration and trustee fees are not part of stamp duty, but they are part of what you pay at completion.
Using last year’s rates. Many countries change duty rates and thresholds in the budget. Check the date of the rules.
Tips to Plan Your Property Purchase Costs
Add stamp duty and fees to your budget before you make an offer, because it is usually paid in cash at completion and cannot always be added to the mortgage. Compare the total cost of buying, not only the price. Ask your lawyer to confirm the exact amount and any relief you can claim, such as first-time buyer relief in the UK, lower rates for women buyers in some Indian states, or reduced rates in some areas of Bangladesh.
Frequently Asked Questions
What is stamp duty?
Stamp duty is a tax or fee that a government charges when ownership of a property is transferred. It is paid by the buyer in most countries. Depending on the country it may be called stamp duty, land transfer tax, transfer fee or real estate transaction tax.
How much is stamp duty in the UK?
In England and Northern Ireland a standard home purchase pays 0% on the first 125,000, 2% up to 250,000, 5% up to 925,000, 10% up to 1.5 million and 12% above that. First-time buyers and second-home buyers have different rules, which this estimator applies for you.
How much is the property transfer fee in Dubai?
The Dubai Land Department transfer fee is 4% of the property price. There are also fixed fees such as the registration trustee and the agent commission, which you can add in the fixed fees box.
How much is stamp duty in India?
India has no single rate. Each state sets its own stamp duty, usually somewhere between 4% and 8%, and the registration fee is often about 1%. Some states give a lower rate to women buyers. Enter the rates of your state in the estimator.
What does it cost to register a property in Bangladesh?
The buyer pays stamp duty, a registration fee, a local government tax and sometimes VAT, and the seller pays a source tax that is set by area. The rates change with the national budget and differ between city and rural areas. The estimator starts with common rates and lets you edit each one, so use the figures from your deed or sub-registry.
Is stamp duty the same as property tax?
No. Stamp duty or a transfer tax is a one-time cost when you buy. Property tax, council tax or municipal tax is a regular charge for owning the property. This estimator covers the one-time cost only.
How accurate is this estimator?
The UK result follows the official bands for England and Northern Ireland and is accurate for standard residential purchases. For the other countries the answer depends on the rates you enter, so treat it as a planning estimate and confirm the final figure with a lawyer.
Official Stamp Duty Reference
Property taxes differ by jurisdiction and transaction. If you are estimating UK Stamp Duty Land Tax, confirm the current rates and eligibility rules with HMRC.