NSW upfront buying costs calculator
Add your deposit contribution, transfer duty and your own other costs to plan total upfront cash for a home purchase.
Total upfront cash is your deposit contribution plus duty, any applicable surcharge and other costs you enter. This tool estimates that total, not the remaining settlement balance after money already paid.
NSW stamp duty
Uses the published 2026–27 schedule. Thresholds index each 1 July, so always confirm current figures at Revenue NSW.
Cash to settle
Conveyancing, inspections, adjustments — your numbers, not ours.
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General information only — not property, legal or financial advice. Baxau Copilot is not a licensed real estate agent and does not act on your behalf. · Built on NSW Valuer General public records
Sources and next steps
Duty schedule: 2026–27. Revenue NSW. Source checked 2 October 2026.