Property & Housing Calculators
Find out how much tax you'll pay when buying or selling a home — stamp duty, land transfer tax, and more.
Ontario Land Transfer Tax Calculator
When purchasing real estate in Ontario, buyers are legally required to pay Ontario Land Transfer Tax (PLTT) upon closing. If the property is located within the City of Toronto, an additional Toronto Municipal Land Transfer Tax (MLTT) applies at matching graduated rates. This calculator computes your exact tax obligation, factoring in provincial and municipal brackets as well as statutory First-Time Homebuyer rebates up to $8,475.
NSW Stamp Duty Calculator
In New South Wales, purchasers of residential real estate are legally obligated to pay Transfer Duty (commonly known as stamp duty) under the Duties Act 1997. Duty is calculated on a progressive graduated scale based on the property's dutiable value. Eligible first-home buyers can claim full exemptions on homes up to $800,000 or concessional discounts up to $1,000,000 through the First Home Buyers Assistance Scheme (FHBAS).
UK Stamp Duty Calculator (SDLT 2026/27)
Stamp Duty Land Tax (SDLT) is payable when purchasing a residential property or piece of land in England and Northern Ireland over certain statutory price thresholds. Administered by HM Revenue & Customs (HMRC) under the Finance Act 2003, SDLT operates on a progressive 'slice' system, meaning tax is charged only on the portion of the purchase price falling within each bracket. This calculator accounts for current 2026/27 statutory rates, First-Time Buyer Relief (FTBR), the Autumn Budget 2024 5% Higher Rates for Additional Dwellings (HRAD), and non-UK resident surcharges.
Scotland LBTT Calculator
Scotland's Land and Buildings Transaction Tax (LBTT) replaced UK Stamp Duty Land Tax (SDLT) north of the border from 1 April 2015. Administered by Revenue Scotland under the LBTT (Scotland) Act 2013, LBTT uses a progressive 'slice' system with residential rates of 0%–12%. Additional dwellings — including buy-to-let and second homes — attract a flat 6% Additional Dwelling Supplement (ADS) on the full purchase price, increased from 4% to 6% in the Scottish Budget 2024-25. First-time buyers benefit from an extended nil-rate band to £175,000.
UK Stamp Duty Calculator 2026/27 | HMRC SDLT Rates & Surcharges
Calculate statutory Stamp Duty Land Tax (SDLT) on residential property purchases in England and Northern Ireland for the 2026/27 tax year. Models the permanent statutory nil-rate threshold from 1 April 2025 (£125,000), the Autumn Budget 2024 increase in Higher Rates for Additional Dwellings (HRAD) from 3% to 5%, First-Time Buyers' Relief, and the 2% non-UK resident surcharge.
First-Time Buyer Stamp Duty Calculator UK 2026/27 | HMRC FTB Relief
Calculate your statutory Stamp Duty Land Tax savings as a first-time buyer in England and Northern Ireland. Accurately evaluates the post-April 2025 £300,000 nil-rate band, the 5% tier on properties up to £500,000, and models the £500,000 cliff-edge rule where exceeding the threshold by £1 eliminates all relief.
UK Property Tax Calculator 2026/27 | Council Tax Bands A–H & SDLT
Calculate your complete UK annual property tax obligations across England, Scotland, and Wales. Computes statutory Council Tax by valuation band (Bands A through H), models the 25% single-person discount, empty home surcharges, and combines annual ownership taxes with amortised acquisition Stamp Duty.
UK Mortgage Calculator 2026/27 | Monthly Payments, LTV & Stress Test
Calculate your monthly UK mortgage repayments, total interest, and overall loan cost under Bank of England and FCA affordability criteria. Models repayment (capital and interest) versus interest-only borrowing, LTV deposit tiers (5% to 25%), and stress tests your monthly budget against a +2% interest rate rise.
Geographic Rent vs. Buy Calculator
Conventional rent-vs-buy calculators use generic national assumptions that fail in the real world. A rent-vs-buy decision in Austin (1.81% property tax) operates under completely different economic dynamics than San Francisco (1.18% property tax, Prop 13 protections) or London (council tax structure). This tool integrates localized municipal property tax constants, regional historical home appreciation rates, and rent inflation indices into a client-side 30-year wealth projection model to determine your exact financial breakeven year.
First-Time Homebuyer Grant Matcher
First-time homebuyers routinely forfeit thousands of dollars in government grants, stamp duty exemptions, and down payment support simply because eligibility rules are complex and fragmented across regional housing authorities. This interactive matching engine evaluates your jurisdiction, property price, income tier, and construction type against statutory 2026 housing programs across Australia, the UK, the United States, Canada, Ireland, and New Zealand to instantly deliver your maximum financial aid package.