Seller's Stamp Duty (SSD) Calculator
Estimate the Seller's Stamp Duty (SSD) you'd pay for selling a Singapore residential property within the holding period. Enter the selling price and how long you've held it.
The higher of the selling price or market value.
Months from purchase to sale — about 1.5 years.
Seller's Stamp Duty payable
$180,000
12% · More than 1 year, up to 2 years
SSD rate
12%
Holding period
1.5 yrs
Net of SSD
$1,320,000
Current 4-year SSD regime, for residential property purchased on or after 4 Jul 2025. Properties bought between 11 Mar 2017 and 3 Jul 2025 follow the earlier 3-year regime (12% / 8% / 4%). Estimates only — confirm with IRAS.
| Holding period | SSD rate |
|---|---|
| Up to 1 year | 16% |
| More than 1 year, up to 2 years | 12% |
| More than 2 years, up to 3 years | 8% |
| More than 3 years, up to 4 years | 4% |
| More than 4 years | 0% |
How Seller's Stamp Duty works
SSD applies when you sell a residential property within the holding period after purchase. The rate depends on how long you held it — the sooner you sell, the higher the rate — and is charged on the higher of the selling price or market value. Once you have held the property beyond the holding period, no SSD is due.
For properties bought on or after 4 July 2025, the holding period is four years, with rates of 16%, 12%, 8% and 4% for each successive year. Selling in the first year is the most expensive; selling after four years incurs nothing.
Plan around it
SSD can be a large, often-overlooked cost if circumstances force an early sale. If you are buying, factor it into how long you expect to hold. To estimate the upfront duties instead, use our Buyer's Stamp Duty and Additional Buyer's Stamp Duty calculators.
Frequently asked questions
What is Seller's Stamp Duty (SSD)?
Seller's Stamp Duty is a tax you pay when you sell or dispose of a residential property within a set holding period after buying it. It was introduced to discourage short-term property flipping. If you hold the property beyond the holding period, no SSD is payable.
What are the current SSD rates?
For residential property bought on or after 4 July 2025, the holding period is 4 years and the rates are: sold within 1 year — 16%; more than 1 and up to 2 years — 12%; more than 2 and up to 3 years — 8%; more than 3 and up to 4 years — 4%; held more than 4 years — no SSD.
How is the SSD amount calculated?
SSD is a flat percentage of the higher of the selling price or the market value, based on your holding period, then rounded down to the nearest dollar. For example, selling at $1,500,000 after 18 months (the 12% band) gives SSD of $180,000.
Did SSD rates change recently?
Yes. For purchases between 11 March 2017 and 3 July 2025 the holding period was 3 years with rates of 12% / 8% / 4%. From 4 July 2025 the holding period was extended to 4 years and the rates raised (16% / 12% / 8% / 4%). This calculator uses the current 4-year regime.