UK Stamp Duty (SDLT) Calculator
Residential SDLT for England & Northern Ireland at 2025/26 thresholds.
Inputs
How it works
Bands (main home from 1 Apr 2025): 0% to £125k, 2% to £250k, 5% to £925k, 10% to £1.5M, 12% above. First-time buyer relief: 0% to £300k, 5% £300k–£500k (only if price ≤ £500k). Additional property surcharge: +5% on every band.
Frequently asked questions
Are these amounts an exact tax bill?
No. They use verified 2026 IRS/SSA figures but ignore credits, phase-outs and AMT. Use tax software or a CPA to file.
Marginal vs effective rate?
Marginal is the rate on your next dollar. Effective is total tax ÷ taxable income — always lower because earlier brackets fill first.
Standard or itemized?
Take whichever is larger. 2026 standard deduction: Single $16,100 · MFJ $32,200 · HoH $24,150 · MFS $16,100.
How is state tax handled?
Eight states impose no income tax. The rest are approximated at their top rate — see your state's brackets for a precise figure.