🏛️ Mortgage & Property

African Stamp Duty Calculator

Calculate stamp duty and transfer levies on property purchases, rental agreements, mortgage deeds and other legal documents across 11 African countries.

🇳🇬 Nigeria 🇰🇪 Kenya 🇬🇭 Ghana 🇿🇼 Zimbabwe 🇹🇿 Tanzania 🇺🇬 Uganda 🇿🇲 Zambia 🇪🇹 Ethiopia 🇨🇲 Cameroon 🇷🇼 Rwanda
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Stamp Duty Calculator
Property, tenancy, mortgage & other documents
Stamp Duty Payable
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📋 Duty Breakdown
AI Insight
📊 Rates by Country
CountryProperty Rate
🇿🇦 South Africa0–13% progressive
🇰🇪 Kenya4% urban 2% rural
🇬🇭 Ghana0.5% + 3% levy
🇳🇬 Nigeria0.75% (FG)
🇿🇼 Zimbabwe1–4% (progressive)
🇹🇿 Tanzania1%
🇺🇬 Uganda1%
🇿🇲 Zambia2%
🇪🇹 Ethiopia2%
🇨🇲 Cameroon5%
🇷🇼 Rwanda0.1%
💡 Key Facts
  • South Africa charges Transfer Duty on a progressive scale — properties under R1.1M are exempt (0%).
  • Kenya first-time buyers are exempt from stamp duty on residential property under KES 4M (urban).
  • Nigeria's stamp duty of 0.75% applies to instruments of transfer under the Stamp Duties Act.
  • Ghana charges a 3% Transfer Levy separately from the 0.5% stamp duty.
  • Zimbabwe uses a progressive scale — larger properties attract higher percentage rates.
  • Stamp duty is typically paid to the Revenue Authority before document registration.
  • Most African countries require stamp duty to be paid within 30 days of signing.
📌 What Is Stamp Duty?

Stamp duty is a government tax imposed on legal documents, particularly those relating to the purchase or lease of property, mortgage deeds, and share transfers.

It is usually expressed as a percentage of the transaction value and must be paid before a document can be legally registered or enforced in court.

Rates and exemptions vary significantly by country — always verify with your local revenue authority.

AI Stamp Duty Advisor Powered by Claude
Ask me anything about this tool — I can help explain results, suggest strategies, and answer questions.
Case workspace

This workspace turns the stamp-duty and transfer-cost split result into a reusable matter note, dashboard item and gated PDF checklist. Use the app first, then save the evidence trail.

Evidence checked

Risk flags

Open dashboard
PDF gate

Email the checklist and unlock print/PDF

The core tool stays free. The deeper PDF pack captures email only when the user wants a portable report, checklist and dashboard reminder.

Continue workflow
Property Tax CalculatorProperty Transfer CostProperty CGT Calculator
Competitor check - 28 April 2026

Benchmarked against Termly, OneTrust and enterprise consent platforms. The goal is not to copy them; it is to bring the useful workflow pattern into an Africa-first tool with official-source caution and local evidence capture.

Observed feature pattern

  • Mature privacy tools scan or map real processing activity, then connect policies, cookie choices, DSARs, consent logs and regulator evidence.
  • They preserve an audit trail instead of leaving users with a static policy that drifts away from the product.
  • They route high-risk processing into DPIA, breach and processor-contract workflows before launch or vendor onboarding.

Implemented on this app

  • This page now asks for matter, country or regime, date, status, evidence and risk flags before the user exports a note.
  • The app-specific checklist is not generic: it starts with "Identify buyer, seller, property type and transaction type before calculating".
  • Saved workflows can be resumed from the dashboard and handed off to Property Tax Calculator when the matter naturally continues.
  • The PDF/export moment is a value-after-result gate, so users can still use the tool first and only share email when saving the report.

Best next move

  • Which transaction triggers stamp duty, transfer duty, registration duty or land transfer tax
  • Identify buyer, seller, property type and transaction type before calculating
  • Using sale price where the authority assesses higher market value
Reviewed 28 April 2026 · Transfer tax calculator

Stamp duty sits inside a wider closing-cost stack: registration fees, transfer duty, legal fees, valuation fees, mortgage fees, consent fees and VAT-like charges.

Decisions this clarifies

  • Which transaction triggers stamp duty, transfer duty, registration duty or land transfer tax
  • Whether the base is consideration, market value, mortgage amount or lease rent
  • Which exemptions, first-buyer rules or connected-party transfers change the amount

Before you rely on it

  • Identify buyer, seller, property type and transaction type before calculating
  • Separate government tax from professional and registry fees
  • Ask who must pay each item under the contract and local practice

Red flags

  • Using sale price where the authority assesses higher market value
  • Ignoring lease stamping or mortgage stamping
  • No tax clearance or consent step before transfer
Primary checks
SARS other taxesSouth Africa deeds registry informationGhana Lands Commission title registration
Next best tools
Property Tax CalculatorProperty Transfer CostProperty CGT Calculator
Review pack

Before filing, signing, publishing, or sending anything, keep a short record that links the app result to evidence and official-source checks.

Capture

Save the country or regime, parties, dates, amounts, selected options, and final output. Add why this matters: Which transaction triggers stamp duty, transfer duty, registration duty or land transfer tax.

Attach

Identify buyer, seller, property type and transaction type before calculating. Also keep the strongest supporting document, receipt, portal reference, ID, contract, policy, or court file beside the generated result.

Escalate

If you see this risk, pause and get qualified help: Using sale price where the authority assesses higher market value.

Paste this into your matter file, compliance folder, board pack, or lawyer handoff.