Property Cost Estimator SA Financial Calculators API

API ID 12775

Estimate property costs effortlessly with our comprehensive financial calculator API.

API Documentation

Endpoints

Request
Retorna o status de saúde atual da API incluindo número da versão, tempo de atividade em segundos e ambiente. Use este ponto de extremidade para verificar se a API está ativa antes de fazer solicitações de cálculo
Endpoint ID: 24997
GET https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/24997/verifica%c3%a7%c3%a3o+de+sa%c3%bade
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

This endpoint does not require any input parameters.

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"version":"1.0.0","uptime_seconds":137620,"environment":"production"}}
Verificação de Saúde — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/24997/verifica%c3%a7%c3%a3o+de+sa%c3%bade' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request

Calculates the monthly bond repayment, total repayment, and total interest for a South African home loan using standard amortisation. Returns a full breakdown including principal, deposit, term, and interest rate. Request Body: - property_price (required): Purchase price of the property in Rands. - deposit (optional): Deposit amount in Rands. Defaults to 0 if not provided. - term_years (required): Loan term in years. Example: 20. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 10.25.

Endpoint ID: 24998
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/24998/bond+repayment+calculator
INPUT PARAMETERS

Bond Repayment Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"monthly_repayment":17669.58,"principal":1800000,"deposit":200000,"property_price":2000000,"total_repayment":4240699.2,"total_interest":2440699.2,"term_months":240,"term_years":20,"annual_interest_rate":10.25},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
Bond Repayment Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/24998/bond+repayment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000,
  "term_years": 20,
  "annual_interest_rate": 10.25
}'

    
Request

Calcula o preço máximo da propriedade que um comprador pode pagar com base na renda mensal bruta Usa a relação de acessibilidade padrão de 30 por cento aplicada pelos bancos da África do Sul Retorna o preço máximo da propriedade o valor máximo do empréstimo e a máxima prestação mensal Corpo da solicitação: - renda_mensal_bruta (obrigatório): Renda mensal bruta antes das deduções em Rands - depósito (opcional): Quantia disponível para depósito em Rands Padrão para 0 se não fornecido - prazo_anos (obrigatório): Prazo do empréstimo em anos Exemplo: 20 - taxa_de_juros_anual (obrigatório): Taxa de juros anual como porcentagem Exemplo: 10,25

Endpoint ID: 24999
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/24999/calculadora+de+acessibilidade+de+t%c3%adtulos
INPUT PARAMETERS

Calculadora de Acessibilidade de Títulos — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"max_property_price":1628049.82,"max_loan_amount":1528049.82,"max_monthly_repayment":15000,"deposit":100000,"gross_monthly_income":50000,"affordability_ratio":0.3,"term_years":20,"annual_interest_rate":10.25},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Max monthly repayment is capped at 30% of gross monthly income. Individual banks may apply stricter qualifying criteria and will assess net income, existing debt, and credit profile."}}
Calculadora de Acessibilidade de Títulos — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/24999/calculadora+de+acessibilidade+de+t%c3%adtulos' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "gross_monthly_income": 50000,
  "deposit": 100000,
  "term_years": 20,
  "annual_interest_rate": 10.25
}'

    
Request

Calculates the full cost of transferring a property in South Africa. Includes SARS transfer duty using the current tiered bracket system, transfer attorney fees (also known as conveyancing fees) based on the LPC guideline tariff, deeds office transfer fees from the Government Gazette, lodgement fee, and disbursements. Request Body: - property_price (required): Purchase price of the property in Rands.

Endpoint ID: 25000
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25000/bond+transfer+costs+calculator
INPUT PARAMETERS

Bond Transfer Costs Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"property_price":2000000,"transfer_duty":33786,"transfer_attorney_fee":{"also_known_as":"conveyancing fee","amount":40963,"is_estimate":true},"deeds_office_transfer_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"total_transfer_costs":78289},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Attorney fee includes VAT at 15% and is a guideline estimate — actual fee varies by firm. Disbursements are indicative."}}
Bond Transfer Costs Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25000/bond+transfer+costs+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000
}'

    
Request

Calculates the cost of registering a new mortgage bond in South Africa. Includes bond registration attorney fees based on the LPC guideline tariff, deeds office registration fees from the Government Gazette, lodgement fee, and disbursements. Calculated on the bond amount, not the purchase price. Request Body: - bond_amount (required): The loan amount in Rands. This is the bond amount, not the property purchase price.

Endpoint ID: 25001
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25001/bond+registration+costs+calculator
INPUT PARAMETERS

Bond Registration Costs Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"bond_amount":1800000,"bond_registration_attorney_fee":{"amount":38605.5,"is_estimate":true},"deeds_office_registration_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"total_registration_costs":42145.5},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Attorney fee includes VAT at 15% and is a guideline estimate — actual fee varies by firm. Disbursements are indicative."}}
Bond Registration Costs Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25001/bond+registration+costs+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "bond_amount": 1800000
}'

    
Request

Calculates how much interest you save and how many months you cut from your bond term by making an additional monthly payment on top of the standard repayment. Returns months saved, years saved, original total interest, new total interest, and total interest saved. Request Body: - property_price (required): Purchase price of the property in Rands. - deposit (optional): Deposit amount in Rands. Defaults to 0 if not provided. - term_years (required): Original loan term in years. Example: 20. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 10.25. - extra_monthly_payment (required): Additional monthly payment amount in Rands on top of standard repayment.

Endpoint ID: 25002
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25002/bond+extra+payment+calculator
INPUT PARAMETERS

Bond Extra Payment Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"standard_monthly_repayment":17669.58,"extra_monthly_payment":2000,"new_monthly_repayment":19669.58,"original_term_months":240,"new_term_months":179,"months_saved":61,"years_saved":5.1,"original_total_interest":2440699.2,"new_total_interest":1719136.68,"interest_saved":721562.52},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
Bond Extra Payment Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25002/bond+extra+payment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000,
  "term_years": 20,
  "annual_interest_rate": 10.25,
  "extra_monthly_payment": 2000
}'

    
Request

Returns a complete cost breakdown for purchasing a property in South Africa. Combines transfer costs, bond registration costs, and the property price into a single total acquisition cost. Shows the minimum cash required on transfer day including deposit and all fees. Request Body: - property_price (required): Purchase price of the property in Rands. - deposit (optional): Deposit amount in Rands. Defaults to 0 if not provided. If deposit equals or exceeds property price, bond registration costs are omitted.

Endpoint ID: 25003
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25003/bond+total+purchase+cost+calculator
INPUT PARAMETERS

Bond Total Purchase Cost Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"property_price":2000000,"deposit":200000,"bond_amount":1800000,"transfer_costs":{"transfer_duty":33786,"transfer_attorney_fee":{"also_known_as":"conveyancing fee","amount":40963,"is_estimate":true},"deeds_office_transfer_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"subtotal":78289},"registration_costs":{"bond_registration_attorney_fee":{"amount":38605.5,"is_estimate":true},"deeds_office_registration_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"subtotal":42145.5},"total_fees":120434.5,"total_cash_required":320434.5,"total_acquisition_cost":2120434.5},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Attorney fees include VAT at 15%. All fee line items are guideline estimates — actual amounts vary by firm and transaction. total_cash_required is the minimum cash needed on transfer day (deposit + all fees)."}}
Bond Total Purchase Cost Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25003/bond+total+purchase+cost+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000
}'

    
Request

Returns a full month-by-month amortisation schedule for a South African home loan. Each entry shows the payment amount, principal portion, interest portion, and remaining balance for every month of the loan term. Includes a summary of total payments, total principal, and total interest. Request Body: - property_price (required): Purchase price of the property in Rands. - deposit (optional): Deposit amount in Rands. Defaults to 0 if not provided. - term_years (required): Loan term in years. Example: 20. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 10.25.

Endpoint ID: 25004
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25004/bond+amortisation+schedule
INPUT PARAMETERS

Bond Amortisation Schedule — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"schedule":[{"month":1,"payment":38466.47,"principal":23091.47,"interest":15375,"balance":1776908.53},{"month":2,"payment":38466.47,"principal":23288.71,"interest":15177.76,"balance":1753619.82},{"month":3,"payment":38466.47,"principal":23487.63,"interest":14978.84,"balance":1730132.19},{"month":4,"payment":38466.47,"principal":23688.26,"interest":14778.21,"balance":1706443.93},{"month":5,"payment":38466.47,"principal":23890.59,"interest":14575.88,"balance":1682553.34},{"month":6,"payment":38466.47,"principal":24094.66,"interest":14371.81,"balance":1658458.68},{"month":7,"payment":38466.47,"principal":24300.47,"interest":14166,"balance":1634158.21},{"month":8,"payment":38466.47,"principal":24508.04,"interest":13958.43,"balance":1609650.17},{"month":9,"payment":38466.47,"principal":24717.37,"interest":13749.1,"balance":1584932.8},{"month":10,"payment":38466.47,"principal":24928.5,"interest":13537.97,"balance":1560004.3},{"month":11,"payment":38466.47,"principal":25141.43,"interest":13325.04,"balance":1534862.87},{"month":12,"payment":38466.47,"principal":25356.18,"interest":13110.29,"balance":1509506.69},{"month":13,"payment":38466.47,"principal":25572.77,"interest":12893.7,"balance":1483933.92},{"month":14,"payment":38466.47,"principal":25791.2,"interest":12675.27,"balance":1458142.72},{"month":15,"payment":38466.47,"principal":26011.5,"interest":12454.97,"balance":1432131.22},{"month":16,"payment":38466.47,"principal":26233.68,"interest":12232.79,"balance":1405897.54},{"month":17,"payment":38466.47,"principal":26457.76,"interest":12008.71,"balance":1379439.78},{"month":18,"payment":38466.47,"principal":26683.76,"interest":11782.71,"balance":1352756.02},{"month":19,"payment":38466.47,"principal":26911.68,"interest":11554.79,"balance":1325844.34},{"month":20,"payment":38466.47,"principal":27141.55,"interest":11324.92,"balance":1298702.79},{"month":21,"payment":38466.47,"principal":27373.38,"interest":11093.09,"balance":1271329.41},{"month":22,"payment":38466.47,"principal":27607.2,"interest":10859.27,"balance":1243722.21},{"month":23,"payment":38466.47,"principal":27843.01,"interest":10623.46,"balance":1215879.2},{"month":24,"payment":38466.47,"principal":28080.84,"interest":10385.63,"balance":1187798.36},{"month":25,"payment":38466.47,"principal":28320.69,"interest":10145.78,"balance":1159477.67},{"month":26,"payment":38466.47,"principal":28562.6,"interest":9903.87,"balance":1130915.07},{"month":27,"payment":38466.47,"principal":28806.57,"interest":9659.9,"balance":1102108.5},{"month":28,"payment":38466.47,"principal":29052.63,"interest":9413.84,"balance":1073055.87},{"month":29,"payment":38466.47,"principal":29300.78,"interest":9165.69,"balance":1043755.09},{"month":30,"payment":38466.47,"principal":29551.06,"interest":8915.41,"balance":1014204.03},{"month":31,"payment":38466.47,"principal":29803.48,"interest":8662.99,"balance":984400.55},{"month":32,"payment":38466.47,"principal":30058.05,"interest":8408.42,"balance":954342.5},{"month":33,"payment":38466.47,"principal":30314.79,"interest":8151.68,"balance":924027.71},{"month":34,"payment":38466.47,"principal":30573.73,"interest":7892.74,"balance":893453.98},{"month":35,"payment":38466.47,"principal":30834.88,"interest":7631.59,"balance":862619.1},{"month":36,"payment":38466.47,"principal":31098.27,"interest":7368.2,"balance":831520.83},{"month":37,"payment":38466.47,"principal":31363.9,"interest":7102.57,"balance":800156.93},{"month":38,"payment":38466.47,"principal":31631.8,"interest":6834.67,"balance":768525.13},{"month":39,"payment":38466.47,"principal":31901.98,"interest":6564.49,"balance":736623.15},{"month":40,"payment":38466.47,"principal":32174.48,"interest":6291.99,"balance":704448.67},{"month":41,"payment":38466.47,"principal":32449.3,"interest":6017.17,"balance":671999.37},{"month":42,"payment":38466.47,"principal":32726.48,"interest":5739.99,"balance":639272.89},{"month":43,"payment":38466.47,"principal":33006.01,"interest":5460.46,"balance":606266.88},{"month":44,"payment":38466.47,"principal":33287.94,"interest":5178.53,"balance":572978.94},{"month":45,"payment":38466.47,"principal":33572.27,"interest":4894.2,"balance":539406.67},{"month":46,"payment":38466.47,"principal":33859.04,"interest":4607.43,"balance":505547.63},{"month":47,"payment":38466.47,"principal":34148.25,"interest":4318.22,"balance":471399.38},{"month":48,"payment":38466.47,"principal":34439.93,"interest":4026.54,"balance":436959.45},{"month":49,"payment":38466.47,"principal":34734.11,"interest":3732.36,"balance":402225.34},{"month":50,"payment":38466.47,"principal":35030.8,"interest":3435.67,"balance":367194.54},{"month":51,"payment":38466.47,"principal":35330.02,"interest":3136.45,"balance":331864.52},{"month":52,"payment":38466.47,"principal":35631.79,"interest":2834.68,"balance":296232.73},{"month":53,"payment":38466.47,"principal":35936.15,"interest":2530.32,"balance":260296.58},{"month":54,"payment":38466.47,"principal":36243.1,"interest":2223.37,"balance":224053.48},{"month":55,"payment":38466.47,"principal":36552.68,"interest":1913.79,"balance":187500.8},{"month":56,"payment":38466.47,"principal":36864.9,"interest":1601.57,"balance":150635.9},{"month":57,"payment":38466.47,"principal":37179.79,"interest":1286.68,"balance":113456.11},{"month":58,"payment":38466.47,"principal":37497.37,"interest":969.1,"balance":75958.74},{"month":59,"payment":38466.47,"principal":37817.66,"interest":648.81,"balance":38141.08},{"month":60,"payment":38466.87,"principal":38141.08,"interest":325.79,"balance":0}],"summary":{"total_payments":2307988.6,"total_principal":1800000,"total_interest":507988.6}},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
Bond Amortisation Schedule — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25004/bond+amortisation+schedule' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000,
  "term_years": 5,
  "annual_interest_rate": 10.25
}'

    
Request

Compares two South African home loan scenarios side by side. Returns both repayment breakdowns and a structured comparison showing which option is cheaper overall, total interest saving, monthly payment difference, and a trade-off note when the cheaper overall option has higher monthly repayments. Request Body: - bond_a (required): First bond scenario object containing property_price, deposit (optional), term_years, and annual_interest_rate. - bond_b (required): Second bond scenario object containing property_price, deposit (optional), term_years, and annual_interest_rate.

Endpoint ID: 25005
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25005/bond+comparison+calculator
INPUT PARAMETERS

Bond Comparison Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"bond_a":{"property_price":2000000,"deposit":200000,"principal":1800000,"term_years":20,"annual_interest_rate":10.25,"monthly_repayment":17669.58,"total_repayment":4240699.2,"total_interest":2440699.2},"bond_b":{"property_price":2000000,"deposit":200000,"principal":1800000,"term_years":15,"annual_interest_rate":10.25,"monthly_repayment":19619.12,"total_repayment":3531441.6,"total_interest":1731441.6},"comparison":{"cheaper_option":"bond_b","total_saving":709257.6,"monthly_difference":1949.54,"note":"Bond B costs less overall but has higher monthly repayments. Bond A is cheaper month-to-month but costs more in total interest."}},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
Bond Comparison Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25005/bond+comparison+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "bond_a": {
    "property_price": 2000000,
    "deposit": 200000,
    "term_years": 20,
    "annual_interest_rate": 10.25
  },
  "bond_b": {
    "property_price": 2000000,
    "deposit": 200000,
    "term_years": 15,
    "annual_interest_rate": 10.25
  }
}'

    
Request
Returns the current South African prime lending rate as published by the South African Reserve Bank. The rate is scraped daily and persisted to a database. If the live scrape fails the last successfully persisted value is returned. The response includes a scrape timestamp and a fallback flag indicating whether a cached or config value was used. No parameters required.
Endpoint ID: 25006
GET https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25006/sarb+prime+lending+rate
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

This endpoint does not require any input parameters.

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"prime_rate":10.25,"scraped_at":"2026-05-29T08:41:39.201Z","fallback":false},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
SARB Prime Lending Rate — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25006/sarb+prime+lending+rate' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request

Calculates the monthly car loan repayment for a South African vehicle finance agreement. Supports an optional balloon payment. If a balloon payment is specified it is excluded from the monthly repayment calculation but remains owed as a lump sum at the end of the term. A warning field is included in the response whenever a balloon payment is present. Request Body: - vehicle_price (required): Purchase price of the vehicle in Rands. - deposit (optional): Deposit amount in Rands. Defaults to 0 if not provided. - term_months (required): Loan term in months. Example: 72. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 11.5. - balloon_payment (optional): Balloon payment amount in Rands. Defaults to 0 if not provided.

Endpoint ID: 25007
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25007/vehicle+repayment+calculator
INPUT PARAMETERS

Vehicle Repayment Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"monthly_repayment":7952.93,"term_months":72,"annual_interest_rate":11.5,"balloon_payment":75000,"warning":"Balloon amount of R75 000,00 is still owed at end of term and is not included in monthly repayment"},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false}}
Vehicle Repayment Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25007/vehicle+repayment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "vehicle_price": 500000,
  "deposit": 50000,
  "term_months": 72,
  "annual_interest_rate": 11.5,
  "balloon_payment": 75000
}'

    
Request

Calculates the maximum vehicle price a buyer can afford based on a monthly budget. Supports an optional balloon payment. Does not include additional ownership costs such as insurance, licensing, or fuel. Request Body: - monthly_budget (required): Maximum monthly repayment budget in Rands. - deposit (optional): Available deposit amount in Rands. Defaults to 0 if not provided. - term_months (required): Loan term in months. Example: 72. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 11.5. - balloon_payment (optional): Balloon payment amount in Rands. Defaults to 0 if not provided.

Endpoint ID: 25008
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25008/vehicle+affordability+calculator
INPUT PARAMETERS

Vehicle Affordability Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"max_vehicle_price":464697.8,"max_loan_amount":414697.8,"monthly_budget":8000,"deposit":50000,"term_months":72,"annual_interest_rate":11.5},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false,"notes":"Max vehicle price is the maximum that can be financed at the given monthly budget. Additional costs (insurance, licensing, fuel) are not included."}}
Vehicle Affordability Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25008/vehicle+affordability+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "monthly_budget": 8000,
  "deposit": 50000,
  "term_months": 72,
  "annual_interest_rate": 11.5
}'

    
Request

Calculates the total cost of owning a financed vehicle in South Africa. Includes all monthly repayments, total interest paid, and balloon payment if applicable. Total interest is calculated on the amortised portion only and the balloon payment is surfaced separately as deferred principal. Request Body: - vehicle_price (required): Purchase price of the vehicle in Rands. - deposit (optional): Deposit amount in Rands. Defaults to 0 if not provided. - term_months (required): Loan term in months. Example: 72. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 11.5. - balloon_payment (optional): Balloon payment amount in Rands. Defaults to 0 if not provided.

Endpoint ID: 25009
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25009/vehicle+total+cost+of+ownership
INPUT PARAMETERS

Vehicle Total Cost of Ownership — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"monthly_repayment":8681.02,"term_months":72,"annual_interest_rate":11.5,"total_repayments":625033.44,"total_interest":175033.44,"total_cost_of_ownership":675033.44},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false,"notes":"total_interest reflects the financing cost on the amortised portion only. balloon_payment is deferred principal and is surfaced separately. total_cost_of_ownership = deposit + total_repayments + balloon_payment."}}
Vehicle Total Cost of Ownership — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25009/vehicle+total+cost+of+ownership' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "vehicle_price": 500000,
  "deposit": 50000,
  "term_months": 72,
  "annual_interest_rate": 11.5
}'

    
Request

Compares two South African vehicle finance scenarios side by side. Returns both repayment breakdowns and a structured comparison showing which option is cheaper overall based on total cost of ownership, total saving, monthly payment difference, and a trade-off note where applicable. Supports optional balloon payments on either vehicle. Request Body: - vehicle_a (required): First vehicle scenario object containing vehicle_price, deposit (optional), term_months, annual_interest_rate, and balloon_payment (optional). - vehicle_b (required): Second vehicle scenario object containing vehicle_price, deposit (optional), term_months, annual_interest_rate, and balloon_payment (optional).

Endpoint ID: 25010
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25010/vehicle+comparison+calculator
INPUT PARAMETERS

Vehicle Comparison Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"vehicle_a":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"term_months":72,"annual_interest_rate":11.5,"monthly_repayment":8681.02,"total_repayments":625033.44,"total_interest":175033.44,"total_cost_of_ownership":675033.44},"vehicle_b":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"term_months":60,"annual_interest_rate":11.5,"monthly_repayment":9896.67,"total_repayments":593800.2,"total_interest":143800.2,"total_cost_of_ownership":643800.2},"comparison":{"cheaper_option":"vehicle_b","total_saving":31233.24,"monthly_difference":1215.65,"note":"Vehicle B costs less overall but has higher monthly repayments. Vehicle A is cheaper month-to-month but costs more in total."}},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false}}
Vehicle Comparison Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25010/vehicle+comparison+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "vehicle_a": {
    "vehicle_price": 500000,
    "deposit": 50000,
    "term_months": 72,
    "annual_interest_rate": 11.5
  },
  "vehicle_b": {
    "vehicle_price": 500000,
    "deposit": 50000,
    "term_months": 60,
    "annual_interest_rate": 11.5
  }
}'

    
Request

Calcula o imposto de renda PAYE sul-africano completo, UIF, SDL e créditos fiscais de auxílio médico para o ano fiscal de 2026/27. Retorna desagregações mensais e anuais para as contribuições de empregados e empregadores. A idade determina qual reembolso se aplica e os membros do plano de saúde determinam a dedução do crédito fiscal mensal. Corpo da solicitação: - renda_anual (obrigatório): Renda bruta anual em Rands antes de qualquer dedução. - idade (obrigatório): Idade do contribuinte. Determina se se aplica reembolso primário, secundário (65 anos ou mais) ou terciário (75 anos ou mais). - membros_do_ausílio_médico (opcional): Número total de membros do auxílio médico incluindo o membro principal. O padrão é 0 se não fornecido.

Endpoint ID: 25011
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25011/calculadora+de+imposto+de+renda+paye
INPUT PARAMETERS

Calculadora de Imposto de Renda PAYE — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"annual_income":480000,"monthly_income":40000,"tax_year":"2026/27","gross_income_tax":{"annual":110037,"monthly":9169.75},"rebate":{"primary":17820,"secondary":0,"tertiary":0,"total":17820},"income_tax":{"annual":80145,"monthly":6678.75},"uif":{"employee_monthly":177.12,"employer_monthly":177.12,"ceiling_applied":true},"sdl":{"monthly":400,"note":"Employer levy — not deducted from employee salary. Payable only if employer annual payroll exceeds R500,000."},"effective_tax_rate":0.167,"net_monthly_income":33144.13,"medical_aid_tax_credit":{"members":3,"monthly":1006,"annual":12072}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"PAYE calculated on gross annual income before any other deductions (e.g. pension, retirement annuity). Net monthly income reflects salary after income tax and employee UIF contribution only."}}
Calculadora de Imposto de Renda PAYE — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25011/calculadora+de+imposto+de+renda+paye' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "annual_income": 480000,
  "age": 35,
  "medical_aid_members": 3
}'

    
Request
Calcula o salário líquido para um empregado sul-africano Retorna um salário líquido mensal limpo após deduções de imposto de renda e UIF Saída mais simples do que a API completa de PAYE projetada para cálculos rápidos de salário sem a quebra completa de impostos Não são incluídas outras deduções como pensão anuidade de aposentadoria ou prêmio de assistências médicas Corpo da solicitação - renda_anual (obrigatório) Renda bruta anual em Rands antes de quaisquer deduções - idade (obrigatório) Idade do contribuinte Determina qual desconto se aplica - membros_do_plano_de_saúde (opcional) Número total de membros do plano de saúde Padrão é 0 se não fornecido
Endpoint ID: 25012
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25012/calculadora+de+sal%c3%a1rio+l%c3%adquido
INPUT PARAMETERS

Calculadora de Salário Líquido — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"gross_monthly":40000,"tax_monthly":6678.75,"uif_monthly":177.12,"net_monthly":33144.13},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Take-home pay after income tax and employee UIF contribution only. No other deductions (pension, retirement annuity, medical aid premium) are applied."}}
Calculadora de Salário Líquido — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25012/calculadora+de+sal%c3%a1rio+l%c3%adquido' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "annual_income": 480000,
  "age": 35,
  "medical_aid_members": 3
}'

    
Request

Calcula o imposto a pagar sobre um bônus anual utilizando o método de média da SARS. O imposto sobre o bônus é calculado como o imposto sobre a renda total mais o bônus menos o imposto sobre a renda apenas. Retorna o bônus líquido após o imposto e a taxa efetiva de imposto sobre o bônus. Corpo do Pedido: - renda_anual (obrigatório): Renda bruta anual em Rands antes do bônus. - valor_do_bônus (obrigatório): Montante do bônus em Rands. - idade (obrigatório): Idade do contribuinte. Determina qual desconto se aplica. - membros_de_plano_de_saúde (opcional): Número total de membros de plano de saúde. Padrão é 0 se não fornecido.

Endpoint ID: 25013
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25013/calculadora+de+imposto+sobre+b%c3%b4nus+anual
INPUT PARAMETERS

Calculadora de Imposto sobre Bônus Anual — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"bonus_amount":50000,"tax_on_bonus":15500,"net_bonus":34500,"effective_bonus_tax_rate":0.31},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Tax on bonus uses the SARS averaging method: tax on (annual income + bonus) minus tax on annual income. Result may differ if employer uses a different method or if other deductions apply."}}
Calculadora de Imposto sobre Bônus Anual — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25013/calculadora+de+imposto+sobre+b%c3%b4nus+anual' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "annual_income": 480000,
  "bonus_amount": 50000,
  "age": 35
}'

    
Request
Retorna as faixas de imposto de renda da África do Sul, descontos, limites de imposto e créditos fiscais de assistência médica para um determinado ano fiscal. Os anos disponíveis são 2023, 2024, 2025 e 2026. Se o ano solicitado não estiver disponível, a resposta inclui uma lista de anos disponíveis Parâmetros da consulta: - ano (obrigatório): O ano fiscal a ser recuperado. Use o ano em que o ano fiscal termina. Exemplo: 2026 para o ano fiscal 2026/27 que vai de 1 de março de 2026 a 28 de fevereiro de 2027
Endpoint ID: 25014
GET https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25014/faixas+de+imposto+por+ano
INPUT PARAMETERS

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

This endpoint does not require any input parameters.

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"tax_year":"2026/27","effective_date":"2026-03-01","income_tax_brackets":[{"from":0,"to":245100,"threshold":0,"base_tax":0,"rate":0.18},{"from":245101,"to":383100,"threshold":245100,"base_tax":44118,"rate":0.26},{"from":383101,"to":530200,"threshold":383100,"base_tax":79998,"rate":0.31},{"from":530201,"to":695800,"threshold":530200,"base_tax":125599,"rate":0.36},{"from":695801,"to":887000,"threshold":695800,"base_tax":185215,"rate":0.39},{"from":887001,"to":1878600,"threshold":887000,"base_tax":259783,"rate":0.41},{"from":1878601,"to":null,"threshold":1878600,"base_tax":666339,"rate":0.45}],"rebates":{"primary":17820,"secondary":9765,"tertiary":3249},"tax_thresholds":{"under_65":99000,"age_65_to_74":153250,"age_75_and_over":171300},"medical_aid_tax_credits":{"main_member_monthly":376,"first_dependant_monthly":376,"additional_dependant_monthly":254}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false}}
Faixas de Imposto por Ano — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25014/faixas+de+imposto+por+ano' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
Retorna as atuais taxas de impostos sul-africanas incluindo a taxa de IVA e porcentagem as taxas de contribuição do UIF para empregado e empregador os tetos de remuneração mensal e anual do UIF a taxa do SDL e o limite de isenção anual da folha de pagamento do SDL Essas taxas são legisladas e raramente mudam
Endpoint ID: 25015
GET https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25015/taxas+de+impostos+atuais
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

This endpoint does not require any input parameters.

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"vat":{"rate":0.15,"percentage":15},"uif":{"employee_rate":0.01,"employer_rate":0.01,"monthly_remuneration_ceiling":17712,"annual_remuneration_ceiling":212544},"sdl":{"rate":0.01,"annual_payroll_exemption_threshold":500000}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false}}
Taxas de Impostos Atuais — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25015/taxas+de+impostos+atuais' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request

Adiciona ou remove o IVA sul-africano de 15 por cento de qualquer quantia. Use o modo adicionar para converter um valor sem IVA em um valor com IVA. Use o modo remover para extrair o preço sem IVA de um valor com IVA. Corpo da Solicitação: - quantia (obrigatório): A quantia em Rands à qual aplicar o IVA. - modo (obrigatório): A direção do cálculo. Use adicionar para calcular o preço com IVA a partir de um valor exclusivo. Use remover para extrair o preço sem IVA de um valor inclusivo.

Endpoint ID: 25016
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25016/calculadora+de+iva
INPUT PARAMETERS

Calculadora de IVA — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"mode":"add","amount_exclusive":1000,"vat_amount":150,"amount_inclusive":1150,"vat_rate":0.15},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false}}
Calculadora de IVA — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25016/calculadora+de+iva' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "amount": 1000,
  "mode": "add"
}'

    
Request
Calcula o imposto sul-africano a pagar sobre um montante de resgate de fundo de aposentadoria utilizando as tabelas de imposto sobre montantes de resgate do SARS para o ano fiscal de 2026/27 Suporta tanto montantes de resgate retirados na aposentadoria quanto retiradas antecipadas antes da aposentadoria O imposto é calculado assumindo que este é o primeiro montante de resgate retirado uma vez que o SARS agrega todos os montantes de resgate anteriores ao longo da vida Corpo da Solicitação: - montante_resgate (obrigatório): O montante do resgate em Rands - tipo (obrigatório): O tipo de retirada Use na_aposentadoria para montantes de resgate retirados na aposentadoria Use retirada para retiradas antecipadas antes da aposentadoria
Endpoint ID: 25017
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25017/calculadora+de+imposto+de+montante+%c3%9anico+de+aposentadoria
INPUT PARAMETERS

Calculadora de Imposto de Montante Único de Aposentadoria — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"lump_sum":800000,"type":"at_retirement","tax_payable":47700,"net_lump_sum":752300,"effective_tax_rate":0.0596,"tax_year":"2026/27"},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Tax is calculated on the assumption this is the first lump sum taken. SARS aggregates all prior lump sums in a lifetime — prior withdrawals may push this amount into a higher bracket. Consult a retirement specialist."}}
Calculadora de Imposto de Montante Único de Aposentadoria — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25017/calculadora+de+imposto+de+montante+%c3%9anico+de+aposentadoria' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "lump_sum": 800000,
  "type": "at_retirement"
}'

    
Request

Returns the monthly and annual medical aid tax credit for a given number of medical aid members using the current SARS 2026/27 rates. Credits reduce PAYE payable and are not a cash refund. Useful for HR tools and payroll systems that need to calculate the medical aid credit independently. Query Parameters: - members (required): Total number of medical aid members including the main member and all dependants. Example: 3.

Endpoint ID: 25018
GET https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25018/medical+aid+tax+credits
INPUT PARAMETERS

Medical Aid Tax Credits — Endpoint Features

Object Description
members Required Required. Total number of medical aid members including main member and all dependants.

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

members
API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"members":3,"monthly_credit":1006,"annual_credit":12072,"rates":{"main_member_monthly":376,"first_dependant_monthly":376,"additional_dependant_monthly":254}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Medical aid tax credits for tax year 2026/27. Credits reduce PAYE payable — they are not a cash refund."}}
Medical Aid Tax Credits — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25018/medical+aid+tax+credits?members=3' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request

Compare two South African tax years side by side and view the differences in income tax brackets, tax rebates, tax thresholds, and medical aid tax credits. This endpoint helps users understand how tax rules and budget changes have evolved between years and how they may impact a taxpayer's position.

Available tax years: 2023, 2024, 2025, and 2026.

Endpoint ID: 25019
GET https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25019/tax+year+comparison
INPUT PARAMETERS

Tax Year Comparison — Endpoint Features

Object Description
year1 Required Required. First tax year to compare. Accepted values: 2023, 2024, 2025, 2026.
year2 Required Required. Second tax year to compare. Accepted values: 2023, 2024, 2025, 2026.

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

year1
year2
API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"years_compared":["2023","2026"],"income_tax_brackets":[{"2023":{"from":0,"to":226000},"2026":{"from":0,"to":245100},"bracket":1,"rate":0.18},{"2023":{"from":226001,"to":353100},"2026":{"from":245101,"to":383100},"bracket":2,"rate":0.26},{"2023":{"from":353101,"to":488700},"2026":{"from":383101,"to":530200},"bracket":3,"rate":0.31},{"2023":{"from":488701,"to":641400},"2026":{"from":530201,"to":695800},"bracket":4,"rate":0.36},{"2023":{"from":641401,"to":817600},"2026":{"from":695801,"to":887000},"bracket":5,"rate":0.39},{"2023":{"from":817601,"to":1731600},"2026":{"from":887001,"to":1878600},"bracket":6,"rate":0.41},{"2023":{"from":1731601,"to":null},"2026":{"from":1878601,"to":null},"bracket":7,"rate":0.45}],"rebates":{"primary":{"2023":16425,"2026":17820,"difference":1395},"secondary":{"2023":9000,"2026":9765,"difference":765},"tertiary":{"2023":2997,"2026":3249,"difference":252}},"tax_thresholds":{"under_65":{"2023":91250,"2026":99000,"difference":7750},"age_65_to_74":{"2023":141250,"2026":153250,"difference":12000},"age_75_and_over":{"2023":157900,"2026":171300,"difference":13400}},"medical_aid_tax_credits":{"main_member_monthly":{"2023":347,"2026":376,"difference":29},"first_dependant_monthly":{"2023":347,"2026":376,"difference":29},"additional_dependant_monthly":{"2023":234,"2026":254,"difference":20}}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Comparison of tax year 2023/24 (effective 2023-03-01) vs 2026/27 (effective 2026-03-01). Differences are year2 minus year1."}}
Tax Year Comparison — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25019/tax+year+comparison?year1=2023&year2=2026' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request

Calculates the monthly repayment, total repayment, and total interest for a South African personal loan using standard amortisation. Returns a full breakdown including principal, term, interest rate, and total cost of the loan. Request Body: - principal (required): Loan amount in Rands. - term_months (required): Loan term in months. Example: 60. - annual_interest_rate (required): Annual interest rate as a percentage. Example: 13.5.

Endpoint ID: 25020
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25020/personal+loan+repayment+calculator
INPUT PARAMETERS

Personal Loan Repayment Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"principal":150000,"term_months":60,"annual_interest_rate":13.5,"monthly_repayment":3451.48,"total_repayment":207088.8,"total_interest":57088.8},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any financial decisions.","cached":false}}
Personal Loan Repayment Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25020/personal+loan+repayment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "principal": 150000,
  "term_months": 60,
  "annual_interest_rate": 13.5
}'

    
Request

Compares two South African personal loan scenarios side by side. Returns both loan breakdowns and a structured comparison showing which option is cheaper overall, total interest saving, monthly payment difference, and a trade-off note when the cheaper overall loan has higher monthly repayments. Request Body: - loan_a (required): First loan scenario object containing principal, term_months, and annual_interest_rate. - loan_b (required): Second loan scenario object containing principal, term_months, and annual_interest_rate.

Endpoint ID: 25021
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25021/loan+comparison+calculator
INPUT PARAMETERS

Loan Comparison Calculator — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"loan_a":{"principal":150000,"term_months":60,"annual_interest_rate":13.5,"monthly_repayment":3451.48,"total_repayment":207088.8,"total_interest":57088.8},"loan_b":{"principal":150000,"term_months":48,"annual_interest_rate":13.5,"monthly_repayment":4061.45,"total_repayment":194949.6,"total_interest":44949.6},"comparison":{"cheaper_option":"b","total_saving":12139.2,"monthly_difference":609.97,"note":"Loan B costs less overall but has higher monthly repayments. Loan A is cheaper month-to-month but costs more in total interest."}},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any financial decisions.","cached":false}}
Loan Comparison Calculator — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25021/loan+comparison+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "loan_a": {
    "principal": 150000,
    "term_months": 60,
    "annual_interest_rate": 13.5
  },
  "loan_b": {
    "principal": 150000,
    "term_months": 48,
    "annual_interest_rate": 13.5
  }
}'

    
Request
Calcula o valor futuro de um montante em Rands após um determinado número de anos usando a inflação do IPC sul-africano Mostra quanto do poder de compra é perdido ao longo do tempo Usa a taxa atual do IPC da África do Sul do Stats SA por padrão Suporta uma taxa de substituição opcional para modelar um cenário de inflação personalizado Corpo da solicitação: - montante (obrigatório): Montante do valor presente em Rands - anos (obrigatório): Número de anos para projetar para frente Deve ser um número inteiro positivo - taxa_de_substituição (opcional): Taxa de inflação personalizada como um decimal Exemplo 0 06 para 6 por cento Se não for fornecida a taxa atual do IPC da África do Sul do Stats SA é usada
Endpoint ID: 25022
POST https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25022/calculadora+de+valor+futuro+da+infla%c3%a7%c3%a3o
INPUT PARAMETERS

Calculadora de Valor Futuro da Inflação — Endpoint Features

Object Description
Request Body Required Json

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

API EXAMPLE RESPONSE
JSON
{"success":true,"data":{"present_value":100000,"future_value":148024.43,"increase":48024.43,"inflation_rate":0.04,"years":10,"rate_source":"SA CPI (Stats SA)"},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any financial decisions.","cached":false,"notes":"SA CPI rate of 4.00% used (April 2026). Update config/rates.json to reflect the latest Stats SA release."}}
Calculadora de Valor Futuro da Inflação — CODE SNIPPETS

curl --location --request POST 'https://zylalabs.com/api/12775/property+cost+estimator+sa+financial+calculators+api/25022/calculadora+de+valor+futuro+da+infla%c3%a7%c3%a3o' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "amount": 100000,
  "years": 10
}'

    

API Access Key & Authentication

After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the Property Cost Estimator SA Financial Calculators API simply include your bearer token in the Authorization header.

Headers
Header Description
Authorization Required Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

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Overview

A comprehensive suite of South African financial calculators covering bond and property costs, vehicle finance, PAYE tax, VAT, retirement lump sums, personal loans, and inflation. All monetary values in ZAR. Covers 25 endpoints across bond, vehicle, tax, and personal finance modules. Data sourced from SARS, LPC, Government Gazette, SARB, and Stats SA.

Property Cost Estimator SA Financial Calculators API FAQs

All monetary inputs and outputs are in South African Rand (ZAR). Do not pass values in cents — always use full Rand amounts.

All results are estimates for informational purposes only. Attorney fees, deeds office fees, and transfer duty are calculated using official published schedules but actual amounts may vary by transaction. Every response includes a disclaimer in the meta field.

All tax calculations use the 2026/27 tax year (1 March 2026 to 28 February 2027) by default, based on the latest SARS budget announcement. Historical brackets for 2023, 2024, and 2025 are available via the Tax Brackets and Tax Year Comparison endpoints.

The prime rate is scraped daily from the South African Reserve Bank (resbank.co.za) and persisted to a database. The GET /bond/prime-rate endpoint always returns the most recently confirmed rate along with a scrape timestamp. If the live scrape fails, the last successfully persisted value is used and flagback: true is included in the response.

Transfer attorney fees (also known as conveyancing fees) and bond registration attorney fees are calculated using the LSSA incremental tariff schedule effective 1 August 2025. The formula is base fee plus increments per unit or part thereof, rounded up. All attorney fee amounts include VAT at 15% and are marked is_estimate: true as actual fees are negotiable and vary by firm.

Transfer costs cover the fees for transferring ownership of the property from seller to buyer — including transfer duty, transfer attorney fee, and deeds office transfer fee. Registration costs cover the fees for registering the new mortgage bond — including bond registration attorney fee and deeds office registration fee. The /bond/total-purchase-cost endpoint combines both into a single breakdown.

A balloon payment reduces the amount being amortised each month, resulting in lower monthly repayments. However the full balloon amount remains owed as a lump sum at the end of the finance term and is not included in the monthly repayment. Every response that includes a balloon payment includes a warning field making this explicit.

The SARS averaging method is used. Tax is calculated on total income plus bonus, then tax on income alone is subtracted. The difference is the tax on the bonus. This matches the method most South African employers use for payroll purposes.

- Tax brackets and transfer duty: updated in February after the annual budget speech - Deeds office fees: updated in April after the Government Gazette publication - LPC attorney tariff: updated in August after the LSSA guideline publication - Prime lending rate: updated daily via scraper after each SARB MPC decision

The API is suitable for displaying estimates, building calculators, and informational tools. It is not a substitute for professional financial, tax, or legal advice. All results should be clearly presented as estimates to end users. The disclaimer field in every response meta block is provided for this purpose.

Each endpoint returns structured JSON data relevant to specific financial calculations. For example, the Bond Repayment Calculator returns monthly repayment, total repayment, and total interest, while the PAYE Income Tax Calculator provides detailed tax breakdowns including gross income tax and net monthly income.

Key fields vary by endpoint but generally include "success" (boolean), "data" (object with calculation results), and "meta" (object with source, disclaimer, and notes). For instance, the Bond Repayment Calculator includes fields like "monthly_repayment," "total_interest," and "term_years."

Each endpoint has specific parameters. For example, the Bond Repayment Calculator requires "property_price," "term_years," and "annual_interest_rate." Optional parameters like "deposit" can also be included. Refer to the endpoint documentation for detailed parameter requirements.

The response data is organized into three main sections: "success" indicates the request status, "data" contains the calculation results, and "meta" provides additional context such as sources and disclaimers. This structure helps users quickly assess the outcome and its reliability.

Data is sourced from reputable South African institutions such as SARS, LPC, and Stats SA. For example, tax calculations rely on the latest tax brackets from SARS, while property transfer costs are based on LPC guidelines, ensuring accuracy and reliability.

Typical use cases include financial planning, property purchasing, and vehicle financing. Users can leverage the API to estimate monthly repayments, assess affordability, and calculate total ownership costs, aiding in informed financial decisions.

Users can customize requests by providing specific parameters relevant to their financial situation. For instance, when using the Bond Affordability Calculator, users can input their "gross_monthly_income" and "deposit" to receive tailored results based on their financial profile.

Standard data patterns include consistent field names across similar endpoints, such as "monthly_repayment" in both bond and vehicle calculators. Users can expect structured outputs that facilitate easy integration into applications, allowing for seamless user experiences.

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