Stamp Duty Calculator UK
Our free UK stamp duty calculator calculates your Stamp Duty Land Tax (SDLT) liability for property purchases in England and Northern Ireland. Get an accurate band-by-band breakdown under current 2026 UK rules for first-time buyers, movers, and buy-to-let investors.
Stamp Duty (SDLT) Due
Effective Rate
1.4%
Total Cost
£355,000
These rates apply to residential properties in England and Northern Ireland. Properties in Scotland (LBTT) and Wales (LTT) have different rules and rates.
How UK Stamp Duty Land Tax (SDLT) Is Calculated
This calculator applies the current 2026 Stamp Duty Land Tax (SDLT) bands for residential property in England and Northern Ireland. It segments the purchase price into SDLT bands: 0% on the first £125,000, 2% on £125,001–£250,000, 5% on £250,001–£925,000, 10% on £925,001–£1.5m, and 12% above. First-time buyers benefit from relief on the first £425,000. Additional property purchases incur a 3% surcharge on all bands. Enter the purchase price and buyer status for an instant breakdown.
Frequently Asked Questions
What is Stamp Duty Land Tax (SDLT) in the UK?
Stamp Duty Land Tax is a tax paid by property buyers in England and Northern Ireland when purchasing land or property above a certain value threshold. It is calculated as a percentage of the purchase price, applied in bands, and must be paid within 14 days of completion.
How much Stamp Duty do first-time buyers pay in the UK?
First-time buyers in England pay 0% SDLT on the first £425,000 of a property's purchase price. They pay 5% on the portion between £425,001 and £625,000. No first-time buyer relief applies to properties above £625,000.
What are the Stamp Duty rates in England for 2026?
Standard residential SDLT rates for 2026: 0% on the first £125,000, 2% on £125,001–£250,000, 5% on £250,001–£925,000, 10% on £925,001–£1.5m, and 12% above £1.5m. Buy-to-let and second homes attract a 3% surcharge on all bands.
Do Scotland and Wales have the same Stamp Duty as England?
No. Scotland uses Land and Buildings Transaction Tax (LBTT) and Wales uses Land Transaction Tax (LTT), both of which have different bands and rates from the English SDLT system. Our calculator applies SDLT rules for England and Northern Ireland only.
When must Stamp Duty be paid after buying a property in England?
SDLT must be paid to HMRC within 14 days of the completion date of your property purchase. Your solicitor or conveyancer typically submits the SDLT return and payment on your behalf as part of the conveyancing process. Late payment results in interest and penalties.