Decoupling means one spouse sells their share of your jointly owned private home to the other, so the spouse who no longer owns property can buy the next home without the second-property ABSD. This calculator sets the cost of doing it against the ABSD it avoids, using IRAS rates as at October 2026.
What it works out
- Buyer's Stamp Duty on the share being transferred
- Any Seller's Stamp Duty if you bought within the holding period
- The ABSD avoided on the next purchase, and your net saving
- Whether the remaining owner can carry the whole loan alone
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