If this tool helped you, you can buy us a coffee ☕
Accurately calculate deed tax, VAT, and personal income tax for resale property transactions. Quickly get an itemized tax breakdown and total costs.
• VAT exempt for 2 years or more (5 years or more in some cities).
• If not 5 years or more and unique home, 20% of the difference or 1% of the full amount is levied (specific to local policy).
FVIFA Calculator
Accurately calculate the Future Value Interest Factor of an Annuity (FVIFA) to evaluate future returns. Supports custom interest rates, periods, and decimal places.
Chinese RMB Amount Converter
Accurately convert between numeric amounts and Chinese uppercase/lowercase financial characters to meet formatting standards for Chinese contracts, invoices, and banking.
CAGR Calculator
Calculate the Compound Annual Growth Rate (CAGR) of your investments. Enter the initial value, final value, and number of years to get an accurate annualized return assessment.
Bond YTM Calculator
Accurately calculate the annualized yield of a bond held to maturity to assist with investment decisions and bond valuation analysis.
FVIFA Calculator
Accurately calculate the Future Value Interest Factor of an Annuity (FVIFA) to evaluate future returns. Supports custom interest rates, periods, and decimal places.
Chinese RMB Amount Converter
Accurately convert between numeric amounts and Chinese uppercase/lowercase financial characters to meet formatting standards for Chinese contracts, invoices, and banking.
CAGR Calculator
Calculate the Compound Annual Growth Rate (CAGR) of your investments. Enter the initial value, final value, and number of years to get an accurate annualized return assessment.
Bond YTM Calculator
Accurately calculate the annualized yield of a bond held to maturity to assist with investment decisions and bond valuation analysis.
Return on Investment (ROI) Calculator
Enter your investment amount and dates to quickly calculate ROI and annualized return, helping you make smarter investment decisions.
The resale property tax calculator helps buyers and sellers quickly estimate transaction costs, avoiding budget deviations caused by complex tax calculations. By entering key parameters such as property area, transaction price, original purchase price, and years of ownership, the tool automatically calculates core taxes including deed tax (1%-3%), value-added tax or VAT (exempt after 2 years), and personal income tax (exempt after 5 years if it is your only home). The "years of ownership" is a critical factor affecting VAT and personal income tax calculations, with "over two years" and "over five years" serving as key thresholds.
What is the difference between owning for over two years and over five years?
Properties owned for over two years are exempt from VAT. Properties owned for over five years that are the seller's only home are exempt from personal income tax. These are two distinct tax incentive policies.
Why do my calculation results differ from what the real estate agent provided?
This tool uses standard tax rates. Actual transactions may involve: 1) minor adjustments in local policies (e.g., criteria for non-ordinary housing), 2) special exemption scenarios (e.g., purchasing after relocation), and 3) other costs like agency service fees. We recommend relying on the final assessment by the tax authorities.
When entering the original purchase price, you must provide the officially registered contract price (not a verbal quote). The "over five years" period is calculated from the date on the property ownership certificate or the deed tax payment receipt. The calculation results do not include agency fees or appraisal fees. In Tier-1 cities, the standard for non-ordinary housing may be stricter than the 144 sq.m. threshold.
For non-primary residences owned for over 2 years but less than 5 years, it is recommended that the seller provide the original purchase invoice to use the 20% personal income tax rate on the price difference (otherwise, it is calculated at 1%-3% of the full amount). Typical calculation example: For a 90 sq.m. ordinary home with a transaction price of 3 million (originally purchased for 1.5 million), the total tax is about 30,000 (only 1% deed tax + registration fee) if owned for over 5 years as an only home. If owned for less than 2 years, the tax could reach 165,000 (including 5.3% VAT).
