Stamp Duty Calculator
Stamp Duty Land Tax for England and Northern Ireland — band by band, with first-time buyer relief and the additional-property surcharge applied automatically.
How the numbers land.
Three steps from input to a figure you can plan around.
Enter the price
Purchase price plus your buyer status — first-time buyer or buying an additional property.
Read the breakdown
Total SDLT due, broken out by band, with relief or the 5% surcharge applied where it fits.
Plan the rest of the budget
SDLT is paid to HMRC within 14 days of completion. Factor it into your deposit and total cost — and talk to an adviser about how the bill affects your borrowing.
Talk to an adviser
Key figures behind this calculator
£250k
SDLT-free threshold (movers)
£425k
First-time buyer relief cap
5%
Additional-property surcharge
14 days
Filing window
What we assume.
Every calculator is a model. Here's where ours rounds, simplifies, or hands the detail to a real adviser.
England & Northern Ireland only
Scotland uses LBTT and Wales uses LTT — different bands, different reliefs. Use the relevant government calculator for those.
2026 SDLT bands
Bands and thresholds reflect current HMRC rates. Changes in a budget cycle would shift the figures.
Standard residential rates
Non-resident, mixed-use, and corporate buyer surcharges aren't modelled. Speak to a tax adviser for those.
Surcharge applied if you're still selling
If your existing main home hasn't completed yet, the 5% surcharge applies upfront — reclaimable from HMRC within 36 months once it does.
Frequently asked.
Stamp Duty Land Tax must be paid to HMRC within 14 days of completion. Your conveyancer normally handles the return and payment as part of the legal completion.
Still got a question we haven't answered?
Talk to an adviserMore to figure out.
Browse all calculatorsFrom figure to offer.
Calculators give you a useful estimate. The real number depends on your full circumstances, credit profile, and the lender that ultimately approves the case. Our CeMAP-qualified advisers compare 90+ UK lenders and translate the stamp duty calculator into a deal you can actually take.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.