{"success":true,"data":{"version":"1.0.0","uptime_seconds":137620,"environment":"production"}}
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'
{"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}}
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
}'
{"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."}}
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
}'
{"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."}}
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
}'
{"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."}}
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
}'
{"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}}
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
}'
{"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)."}}
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
}'
{"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}}
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
}'
{"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}}
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
}
}'
{"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}}
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'
{"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}}
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
}'
{"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."}}
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
}'
{"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."}}
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
}'
{"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}}
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
}
}'
{"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."}}
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
}'
{"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."}}
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
}'
{"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."}}
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
}'
{"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}}
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'
{"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}}
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'
{"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}}
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"
}'
{"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."}}
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"
}'
{"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."}}
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'
{"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."}}
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'
{"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}}
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
}'
{"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}}
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
}
}'
{"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."}}
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
}'
Después de registrarte, a cada desarrollador se le asigna una clave de acceso a la API personal, una combinación única de letras y dígitos proporcionada para acceder a nuestro endpoint de la API. Para autenticarte con el Estimador de Costos de Propiedades SA Calculadoras Financieras API simplemente incluye tu token de portador en el encabezado de Autorización.
| Encabezado | Descripción |
|---|---|
Autorización
|
Requerido
Debería ser Bearer access_key. Consulta "Tu Clave de Acceso a la API" arriba cuando estés suscrito.
|
Sin compromiso a largo plazo. Mejora, reduce o cancela en cualquier momento. La Prueba Gratuita incluye hasta 50 solicitudes.
(Ahorra 2 meses pagando anualmente 🎉)
Un conjunto completo de calculadoras financieras sudafricanas que cubren costos de bonos e inmuebles, financiamiento de vehículos, impuesto PAYE, IVA, sumas globales de jubilación, préstamos personales e inflación. Todos los valores monetarios en ZAR. Cubre 25 puntos finales en los módulos de bonos, vehículos, impuestos y finanzas personales. Datos obtenidos de SARS, LPC, Gaceta del Gobierno, SARB y Stats SA.
Todos los ingresos y salidas monetarias están en Rand Sudafricano (ZAR) No pase valores en centavos siempre use montos completos en Rand
Todos los resultados son estimaciones con fines informativos únicamente Los honorarios de abogado las tarifas de la oficina de escritura y el impuesto de transferencia se calculan utilizando tarifas oficiales publicadas pero los montos reales pueden variar según la transacción Cada respuesta incluye un aviso de descargo de responsabilidad en el campo meta
Todos los cálculos de impuestos utilizan el año fiscal 2026/27 (1 de marzo de 2026 al 28 de febrero de 2027) por defecto, basado en el último anuncio del presupuesto de SARS. Los tramos históricos para 2023, 2024 y 2025 están disponibles a través de los puntos finales de Tramos Impositivos y Comparación de Años Fiscales
La tasa de interés prime se extrae diariamente del Banco de Reserva de Sudáfrica (resbank.co.za) y se persiste en una base de datos. El endpoint GET /bond/prime-rate siempre devuelve la tasa más recientemente confirmada junto con una marca de tiempo de la extracción. Si la extracción en vivo falla, se utiliza el último valor persistido con éxito y se incluye flagback: true en la respuesta
Las tarifas de abogado por transferencia (también conocidas como tarifas de transmisión) y las tarifas de abogado por registro de hipoteca se calculan utilizando el calendario tarifario incremental de la LSSA que entra en vigor el 1 de agosto de 2025. La fórmula es tarifa base más incrementos por unidad o parte de ella, redondeada hacia arriba. Todos los montos de tarifas de abogado incluyen IVA del 15% y están marcados como is_estimate: true ya que las tarifas reales son negociables y varían según la firma
Los costos de transferencia cubren las tarifas por transferir la propiedad del vendedor al comprador, incluidos el impuesto de transferencia, la tarifa del abogado de transferencia y la tarifa de transferencia de la oficina de escrituras. Los costos de registro cubren las tarifas por registrar la nueva hipoteca, incluida la tarifa del abogado de registro de hipoteca y la tarifa de registro de la oficina de escrituras. El endpoint /bond/total-purchase-cost combina ambos en un solo desglose
Un pago globos reduce la cantidad que se amortiza cada mes lo que resulta en pagos mensuales más bajos Sin embargo la cantidad total del pago globo sigue siendo debida como un monto global al final del plazo de financiamiento y no está incluida en el pago mensual Cada respuesta que incluye un pago globo incluye un campo de advertencia que lo hace explícito
Se utiliza el método de promediación del SARS. Se calcula el impuesto sobre el ingreso total más el bono, luego se resta el impuesto solo sobre el ingreso. La diferencia es el impuesto sobre el bono. Esto coincide con el método que la mayoría de los empleadores sudafricanos utilizan para fines de nómina
- Tramos impositivos y derecho de transferencia: actualizado en febrero tras el discurso del presupuesto anual - Tarifas de la oficina de escritura: actualizado en abril tras la publicación del Boletín Oficial - Arancel de abogados LPC: actualizado en agosto tras la publicación de las directrices de LSSA - Tasa de interés preferencial: actualizado diariamente a través de un scraper tras cada decisión del MPC del SARB
La API es adecuada para mostrar estimaciones construir calculadoras y herramientas informativas No es un sustituto del asesoramiento financiero fiscal o legal profesional Todos los resultados deben presentarse claramente como estimaciones a los usuarios finales El campo de aviso en cada bloque de metadatos de respuesta se proporciona para este propósito
Cada endpoint devuelve datos JSON estructurados relevantes para cálculos financieros específicos Por ejemplo el Calculador de Reembolso de Bonos devuelve el reembolso mensual el reembolso total y el interés total mientras que el Calculador de Impuestos sobre la Renta PAYE proporciona desgloses fiscales detallados que incluyen el impuesto sobre la renta bruto y la renta neta mensual
Los campos clave varían según el punto final pero generalmente incluyen "éxito" (booleano), "datos" (objeto con resultados de cálculo) y "meta" (objeto con fuente, aviso legal y notas) Por ejemplo, el Calculador de Reembolso de Bonos incluye campos como "reembolso_mensual" "interés_total" y "años_de_plazo"
Cada punto final tiene parámetros específicos Por ejemplo el Calculador de Reembolso de Bonos requiere "precio_de_la_propiedad" "años_de_plazo" y "tasa_de_interés_anual" También se pueden incluir parámetros opcionales como "depósito" Consulta la documentación del punto final para los requisitos detallados de los parámetros
Los datos de respuesta están organizados en tres secciones principales: "éxito" indica el estado de la solicitud, "datos" contiene los resultados del cálculo y "meta" proporciona contexto adicional como fuentes y advertencias. Esta estructura ayuda a los usuarios a evaluar rápidamente el resultado y su confiabilidad
Los datos provienen de instituciones sudafricanas reputadas como SARS, LPC y Stats SA Por ejemplo, los cálculos fiscales se basan en los últimos tramos impositivos de SARS mientras que los costos de transferencia de propiedad se basan en las pautas de LPC lo que garantiza precisión y fiabilidad
Los casos de uso típicos incluyen planificación financiera compra de propiedades y financiación de vehículos Los usuarios pueden aprovechar la API para estimar los pagos mensuales evaluar la asequibilidad y calcular los costos totales de propiedad ayudando en decisiones financieras informadas
Los usuarios pueden personalizar las solicitudes proporcionando parámetros específicos relevantes a su situación financiera Por ejemplo al usar la Calculadora de Asequibilidad de Bonos los usuarios pueden ingresar su "ingreso_mensual_bruto" y "depósito" para recibir resultados adaptados a su perfil financiero
Los patrones de datos estándar incluyen nombres de campo consistentes en puntos finales similares, como "pago_mensual" en los calculadores de bonos y vehículos. Los usuarios pueden esperar salidas estructuradas que faciliten una fácil integración en aplicaciones, lo que permite experiencias de usuario fluidas