# Property Transfer Tax Planner — Canada

> England and Northern Ireland SDLT, Scotland LBTT and Wales LTT use distinct researched schedules. Relief and surcharge eligibility must be checked first. Ireland uses researched residential, qualifying apartment-block, non-residential and bulk-acquisition schedules. Canada adds seven provincial references, Toronto municipal bands, 49 Nova Scotia municipalities and two named Quebec city schedules; other Quebec municipalities and unsupported transfers require a separately verified manual amount. CAD planning view; stated limitations apply.

Page: https://askcalculators.com/ca/stamp-duty/
Definition: https://askcalculators.com/ca/stamp-duty/definition.json
JSON Schema: https://askcalculators.com/ca/stamp-duty/schema.json
Version: 20.16.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/ca/stamp-duty/?price=300000&method=ca-residential&propertyNation=england&firstTimeBuyer=0&additionalProperty=0&nonResident=0&caTransferRegion=ON&caTransferDate=2026-09-25&caFairMarketValue=300000&caAssessedValue=300000&caStatedConsideration=300000&caQcMunicipality=montreal&caNsMunicipality=halifax&caEligibleShare=100&caSurchargeApplies=0&caForeignShare=0&verifiedTax=0&surcharge=0&relief=0&rulesConfirmed=0

## Inputs
- price: Property consideration; type=money; required; default=300000; min=0; max=1000000000000
- method: Schedule or verified manual amount; type=select; required; default=ca-residential; values=manual|ca-residential|uk-residential|ie-residential|ie-apartment-block|ie-non-residential|ie-bulk-residential
- propertyNation: UK property nation; type=select; required; default=england; values=england|northern-ireland|scotland|wales
- firstTimeBuyer: All first-time buyer relief conditions independently verified; type=checkbox; optional; default=false
- additionalProperty: Higher/additional-property charge applies after checking ownership and replacement rules; type=checkbox; optional; default=false
- nonResident: England/NI non-resident surcharge applies under the SDLT test; type=checkbox; optional; default=false
- caTransferRegion: Canadian property location; type=select; required; default=ON; values=ON|Toronto|BC|MB|NB|QC|NS|PE
- caTransferDate: 2026 schedule date; type=select; required; default=2026-09-25; values=2026-01-01|2026-04-01|2026-09-25
- caFairMarketValue: Canada: independently established fair market value; type=money; required; default=300000; min=0; max=1000000000000
- caAssessedValue: Canada: assessed value before comparative factor; type=money; required; default=300000; min=0; max=1000000000000
- caStatedConsideration: Quebec: consideration in the deed; type=money; required; default=300000; min=0; max=1000000000000
- caQcMunicipality: Quebec municipality (Quebec only); type=select; required; default=montreal; values=montreal|quebec-city
- caNsMunicipality: Nova Scotia municipality (NS only); type=select; required; default=halifax; values=annapolis-county|annapolis-royal|middleton|antigonish-county|antigonish-town|cape-breton|colchester|stewiacke|truro|cumberland|amherst|oxford|clare|digby-district|digby-town|guysborough|st-marys|mulgrave|halifax|east-hants|west-hants|inverness|port-hawkesbury|kings|berwick|kentville|wolfville|chester|lunenburg-district|bridgewater|lunenburg-town|mahone-bay|pictou-county|new-glasgow|pictou-town|stellarton|trenton|westville|queens|richmond|barrington|shelburne-district|clarks-harbour|lockeport|shelburne-town|victoria|argyle|yarmouth-district|yarmouth-town
- caEligibleShare: Qualifying first-time-buyer ownership share, %; type=percent; required; default=100; min=0; max=100
- caSurchargeApplies: Canada: relevant nonresident/foreign surcharge and area eligibility confirmed; type=checkbox; optional; default=false
- caForeignShare: Confirmed liable nonresident/foreign share, %; type=percent; required; default=0; min=0; max=100
- verifiedTax: Manual: transfer tax from the applicable authority; type=money; required; default=0; min=0; max=1000000000000
- surcharge: Manual: verified additional percentage-point surcharge; type=percent; required; default=0; min=0; max=100
- relief: Manual: independently verified relief amount; type=money; required; default=0; min=0; max=1000000000000
- rulesConfirmed: Current ordinary individual-purchase rules verified; no company, mixed-use, lease-rent, linked or transitional case; type=checkbox; optional; default=false

## Outputs
- baseTax: Standard or relief-adjusted base tax; format=currency
- transferRelief: Conditional transfer-duty relief (Canada only); format=currency
- refundableCredit: Later refundable Quebec income-tax credit (not deducted from duty); format=currency
- tax: Modeled total transfer tax; format=currency; primary
- cashRequired: Price plus modeled transfer tax; format=currency

## Formula
Apply the selected nation’s marginal bands; apply eligible first-time buyer bands, then its additional-property/non-resident rule. Manual mode uses entered tax + price × surcharge − relief.

Inputs are converted to canonical units before evaluating this stated formula.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.