UK Stamp Duty Calculator
Buying a home in England or Northern Ireland means paying Stamp Duty Land Tax (SDLT) on the price. This calculator applies the current bands — and the first-time buyer relief that can save you thousands.
How to use this calculator
- Enter purchase price.
- Enter are you a first-time buyer?.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
SDLT is a progressive tax charged on slices of the purchase price, not the whole amount. Since 1 April 2025 the rates are 0% up to £125,000, 2% from £125,001 to £250,000, 5% to £925,000, 10% to £1.5 million, and 12% above. First-time buyers pay 0% up to £300,000 and 5% from £300,001 to £500,000, but only if the price is at or below £500,000. Worked example: a £350,000 standard purchase pays 0% on the first £125,000, 2% on the next £125,000, and 5% on the final £100,000 — £7,500. A first-time buyer on the same price pays 5% on just £50,000 — £2,500, saving £5,000.
Frequently asked questions
How much is stamp duty on £300,000 in 2026?
For a standard buyer, £3,500 (0% on £125,000, 2% on £125,000, 5% on £50,000). A first-time buyer pays £0, because the first-time buyer threshold is £300,000.
Do I pay stamp duty on top of the price?
Yes — it's paid to HMRC when you complete the purchase, usually handled by your solicitor as part of the transaction. You must file the SDLT return within 14 days of completion even if no tax is due.
Does the 5% extra homes surcharge affect me?
If you're buying an additional property — for example a second home or buy-to-let — you pay an extra 5% on every band from £40,000 upwards. This calculator shows the main residence rates only; add 5% to your total if the property is an additional home (and remember you can reclaim it if you sell your old main home within three years).
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect the current tax year and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: GOV.UK income tax rates · National Insurance · Stamp Duty Land Tax.