Stamp Duty Calculator UK — Calculate SDLT on Your Property Purchase
Free UK stamp duty calculator for England and Northern Ireland. Calculate SDLT for first-time buyers additional properties and standard purchases in 2026.
Stamp Duty Land Tax is a significant additional cost when buying property in England and Northern Ireland. The amount depends on the property price whether you are a first-time buyer and whether it is an additional property. First-time buyers enjoy generous relief paying no SDLT on properties up to £425000. Understanding these costs upfront prevents nasty surprises at completion and helps you budget accurately for your property purchase.
How much stamp duty on £500000 house UK?
For a £500000 property a standard buyer pays £12500 in stamp duty (0% on first £250000 plus 5% on remaining £250000). A first-time buyer pays only £3750 (0% on first £425000 plus 5% on remaining £75000) saving £8750. For an additional property add 3% surcharge making it £27500 total for a standard buyer.
Calculate Now
Stamp Duty Calculator
How Tax Calculation Works
Income tax is calculated on your total taxable income after deducting eligible exemptions and deductions from your gross income. The tax is applied progressively — you pay a lower rate on initial income slabs and higher rates only on income that exceeds each threshold. This means moving into a "higher tax bracket" does not mean your entire income is taxed at the higher rate. Understanding marginal vs effective tax rate is crucial: your marginal rate applies only to the last rupee earned, while your effective rate is the average across all slabs.
Tax-Saving Strategies
Under the old regime, maximize deductions: Section 80C allows up to Rs 1.5 lakh through PPF, ELSS, EPF, and life insurance. Section 80D covers health insurance premiums up to Rs 25,000 (Rs 50,000 for senior citizens). Section 80CCD(1B) offers an additional Rs 50,000 deduction for NPS contributions. Home loan interest up to Rs 2 lakh is deductible under Section 24. Under the new regime, the Rs 75,000 standard deduction and lower slab rates may save you more if your total deductions are below Rs 3.75 lakh. Calculate under both regimes before choosing.
Key Information
| Parameter | Details |
|---|---|
| First-Time Buyer Relief | £0 SDLT up to £425000 |
| Standard Rate Start | 5% above £250000 |
| Additional Property Surcharge | +3% on entire purchase price |
| Scotland Equivalent | Land and Buildings Transaction Tax (LBTT) |
Calculate your stamp duty
Get accurate results instantly — 100% free, no signup required
Use Calculator NowFrequently Asked Questions
How much stamp duty on £500000 house UK?
For a £500000 property a standard buyer pays £12500 in stamp duty (0% on first £250000 plus 5% on remaining £250000). A first-time buyer pays only £3750 (0% on first £425000 plus 5% on remaining £75000) saving £8750. For an additional property add 3% surcharge making it £27500 total for a standard buyer.
Do first-time buyers pay stamp duty?
First-time buyers in England pay no stamp duty on properties up to £425000. For properties between £425001 and £625000 you pay 5% only on the amount above £425000. Properties above £625000 do not qualify for first-time buyer relief and you pay standard rates on the entire amount. This relief saves first-time buyers up to £8750.
What is the 3% stamp duty surcharge?
If you already own a property and buy an additional one you pay a 3% surcharge on top of standard stamp duty rates. This applies to buy-to-let investments second homes and any additional residential property. On a £300000 additional property the surcharge adds £9000 making total SDLT £11500 instead of £2500.
What are the UK income tax bands for 2025-26?
Personal Allowance: £0-£12,570 (0%). Basic rate: £12,571-£50,270 (20%). Higher rate: £50,271-£125,140 (40%). Additional rate: over £125,140 (45%). The personal allowance reduces by £1 for every £2 earned over £100,000, creating an effective 60% rate between £100,000-£125,140.
What is the £100,000 tax trap?
When your income exceeds £100,000, you lose £1 of personal allowance for every £2 over. This creates a hidden 60% effective tax rate between £100,000-£125,140. Pension contributions are the most effective way to bring your income below this threshold and reclaim the allowance.
Related Calculators
More Tax Calculators
Last updated: March 2026