Singapore Capital Gains Calculator
Singapore does not tax capital gains for individuals. Understand when a sale might be treated as trading income instead.
Transaction
Tax Result
Tax Owed
S$0
Tax-free
Gain
S$80,000
Net Proceeds
S$280,000
Capital gains on stocks, ETFs, and crypto are NOT taxed for individuals in Singapore.
Singapore does not tax capital gains
For individuals, Singapore has no capital gains tax. Profits from selling shares, ETFs, crypto, and residential property (held 3+ years) are completely tax-free. This is one of the main reasons Singapore is a major global wealth-management hub.
The exceptions
1) Seller Stamp Duty on residential property sold within 3 years: 12%, 8%, 4% for sales in year 1, 2, 3 respectively. Industrial property: 15/10/5%. 2) Trading income — if IRAS views your trading as a business (high frequency, short holds, large capital), profits are taxed at your marginal rate.
Withholding tax on US stocks
When you buy US stocks or ETFs, 30% withholding applies to dividends — and there is no Singapore–US tax treaty to reduce it. Workaround: buy Ireland-domiciled UCITS ETFs (CSPX, VWRA) — only 15% withholding + no US estate tax exposure. Worth it for any long-term holding.
Crypto and digital assets
Pure capital gains on crypto are not taxed. But IRAS may treat frequent trading, yield farming income, and token rewards as business/investment income. Keep clear records — exchanges share data with IRAS on request.
Frequently Asked Questions
Everything you need to know, in one place.
Does Singapore tax capital gains?
No. Singapore has no capital gains tax for individuals — profits on stocks, ETFs, crypto, property (subject to SSD for short-term property flips) are all tax-free. One of the main reasons Singapore is a major wealth management hub.
When are my gains treated as income instead?
If IRAS views your trading as a business — frequent transactions, short holds, high turnover, substantial capital. Then profits taxed at marginal rate. Retail buy-and-hold investors rarely cross this line.
What is Seller Stamp Duty (SSD) on property?
SSD on residential property sold within 3 years of purchase: 12%, 8%, 4% for sales in year 1, 2, 3. Industrial property: 15/10/5%. Effectively a short-term capital gains tax on property flipping.
How are foreign dividends taxed?
Generally tax-exempt if they qualify under the foreign-sourced income exemption. Singapore dividends: fully tax-exempt (one-tier system). US dividends suffer 30% withholding tax (15% under the DTT once signed).
What about crypto gains in Singapore?
Individuals: no capital gains tax on long-term crypto investments. Gains from active trading (high frequency, short holds) may be treated as trading income and taxed at marginal rates. GST was removed from crypto transactions in 2020. No wealth tax. This makes Singapore one of the most crypto-tax-friendly jurisdictions globally for individuals.
Is rental property income taxed?
Yes — rental income is taxed at your marginal rate after deducting mortgage interest, property tax, agent commissions, repairs, and insurance. Landlords can alternatively elect 15% deemed expense deduction instead of itemising. Property tax (owner-occupier 0-23% tiered, non-owner 12-36%) is separate and based on Annual Value.
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