{"success":true,"data":{"version":"1.0.0","uptime_seconds":137620,"environment":"production"}}
curl --location --request GET 'https://zylalabs.com/api/12776/monthly+bond+repayment+sa+financial+calculators+api/25023/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25024/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25025/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25026/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25027/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25028/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25029/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25030/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25031/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25032/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25033/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25034/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25035/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25036/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25037/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25038/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25039/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25040/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25041/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25042/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25043/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25046/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25048/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25050/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25052/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/12776/monthly+bond+repayment+sa+financial+calculators+api/25053/calculadora+de+valor+futuro+da+infla%c3%a7%c3%a3o' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{
"amount": 100000,
"years": 10
}'
साइन अप करने के बाद, प्रत्येक डेवलपर को एक पर्सनल API एक्सेस की असाइन की जाती है, जो अक्षरों और अंकों का एक यूनिक संयोजन होता है, जिसका उपयोग हमारे API एंडपॉइंट तक पहुंचने के लिए किया जाता है। प्रमाणीकरण के लिए महीनावार बांड पुनर्भुगतान एसए वित्तीय कैलकुलेटर API के साथ बस अपने बेयरर टोकन को Authorization हेडर में शामिल करें।
| हेडर | विवरण |
|---|---|
Authorization
|
आवश्यक
होना चाहिए Bearer access_key. जब आप सब्सक्राइब हों तो ऊपर "Your API Access Key" देखें।
|
कोई लंबी अवधि की प्रतिबद्धता नहीं। कभी भी अपग्रेड, डाउनग्रेड या कैंसल करें। फ्री ट्रायल में 50 रिक्वेस्ट तक शामिल हैं।
(वार्षिक बिलिंग के साथ 2 महीने बचाएँ 🎉)
दक्षिण अफ्रीकी वित्तीय कैलकुलेटरों का एक व्यापक सेट जो बॉंड और संपत्ति लागत, वाहन वित्त, PAYE कर, वैट, सेवानिवृत्ति के लंपसम, व्यक्तिगत ऋण और महंगाई को कवर करता है। सभी मौद्रिक मूल्य ZAR में हैं। यह बॉंड, वाहन, कर, और व्यक्तिगत वित्त मॉड्यूल में 25 एंडपॉइंट्स को कवर करता है। डेटा SARS, LPC, सरकार की गजट, SARB, और Stats SA से प्राप्त किया गया है
सभी मौद्रिक इनपुट और आउटपुट दक्षिण अफ़्रीकी रैंड (ZAR) में हैं। सेंट में मान न दें - हमेशा पूर्ण रैंड की राशि का उपयोग करें
सभी परिणाम केवल सूचनात्मक उद्देश्यों के लिए अनुमानित हैं वकील की फीस, डीड ऑफिस फीस और ट्रांसफर ड्यूटी आधिकारिक प्रकाशित शेड्यूल का उपयोग करके गणना की जाती है लेकिन वास्तविक मात्रा लेनदेन के अनुसार भिन्न हो सकती है प्रत्येक उत्तर में मेटा क्षेत्र में एक अस्वीकरण शामिल है
सभी कर गणनाएँ स्वचालित रूप से 2026/27 के वित्तीय वर्ष (1 मार्च 2026 से 28 फरवरी 2027) का उपयोग करती हैं जो कि एसएआरएस की अंतिम बजट घोषणा पर आधारित है 2023 2024 और 2025 के ऐतिहासिक रेंज कर रेंज तुलना और वित्तीय वर्ष के एंडपॉइंट्स के माध्यम से उपलब्ध हैं
प्रधान दर को दक्षिण अफ्रीकी रिजर्व बैंक (resbank.co.za) से दैनिक आधार पर स्क्रैप किया जाता है और एक डेटाबेस में संग्रहित किया जाता है GET /bond/prime-rate एंडपॉइंट हमेशा हाल के पुष्टि किए गए दर के साथ एक स्क्रैप टाइमस्टैम्प लौटाता है यदि लाइव स्क्रैप विफल हो जाता है तो अंतिम सफलतापूर्वक संग्रहित मूल्य का उपयोग किया जाता है और प्रतिक्रिया में flagback: true शामिल किया जाता है
स्थानांतरण वकील की फीस (जिसे स्थानांतरण शुल्क भी कहा जाता है) और बांड पंजीकरण वकील की फीस LSSA इन्क्रीमेंटल टैरिफ शेड्यूल का उपयोग करके 1 अगस्त 2025 से प्रभावी है। सूत्र है आधार शुल्क प्लस यूनिट या उसके भाग के लिए इन्क्रीमेंट, जो ऊपर की ओर गोल किया जाता है। सभी वकील शुल्क राशि में 15% VAT शामिल है और इसे is_estimate: true के रूप में चिह्नित किया गया है क्योंकि वास्तविक शुल्क सौदेबाजी योग्य हैं और फर्म के अनुसार भिन्न होते हैं
हस्तांतरण लागत में संपत्ति के मालिकाना हक को विक्रेता से खरीदार के पक्ष में स्थानांतरित करने की फीस शामिल है - जिसमें हस्तांतरण शुल्क, हस्तांतरण वकील शुल्क और दस्तावेज कार्यालय हस्तांतरण शुल्क शामिल हैं। पंजीकरण लागत में नए बंधक बांड के पंजीकरण के लिए फीस शामिल है - जिसमें बंधक पंजीकरण वकील शुल्क और दस्तावेज कार्यालय पंजीकरण शुल्क शामिल हैं। /bond/total-purchase-cost अंत बिंदु दोनों को एक एकल विश्लेषण में मिलाता है
एक बलून भुगतान मासिक आधार पर अमोर्टाइज किए जा रहे मूल्य को कम करता है जिससे मासिक किस्तें कम हो जाती हैं हालाँकि बलून का कुल मूल्य वित्तपोषण की अवधि के अंत में एक एकल राशि के रूप में बकाया रहता है और इसे मासिक किस्त में शामिल नहीं किया जाता है हर उत्तर जो एक बलून भुगतान शामिल करता है एक चेतावनी क्षेत्र शामिल करता है जो इसे स्पष्ट करता है
SARS औसत निकासी विधि का उपयोग किया जाता है कर कुल आय और बोनस पर गणना की जाती है फिर केवल आय पर कर घटाया जाता है अंतर बोनस पर कर होता है यह दक्षिण अफ्रीका के अधिकांश नियोक्ताओं द्वारा पेरोल उद्देश्यों के लिए उपयोग की जाने वाली विधि से मेल खाता है
- कर वर्गीकरण और स्थानान्तरण कर: वार्षिक बजट भाषण के बाद फरवरी में अद्यतन - नोटरी शुल्क: सरकारी आधिकारिक राजपत्र के प्रकाशन के बाद अप्रैल में अद्यतन - वकील शुल्क LPC: LSSA के दिशा-निर्देश के प्रकाशन के बाद अगस्त में अद्यतन - प्राइम ब्याज दर: हर MPC के निर्णय के बाद हर दिन स्क्रेपर के माध्यम से अद्यतन
यह एपीआई अनुमान दिखाने, कैलकुलेटर बनाने और सूचना उपकरणों के लिए उपयुक्त है। यह पेशेवर वित्तीय, कर या कानूनी सलाह का स्थानापन्न नहीं है। सभी परिणामों को अंतिम उपयोगकर्ताओं के लिए स्पष्ट रूप से अनुमानों के रूप में प्रस्तुत किया जाना चाहिए। हर प्रतिक्रिया मेटा ब्लॉक में अस्वीकरण क्षेत्र इस उद्देश्य के लिए प्रदान किया गया है
प्रत्येक एंडपॉइंट JSON डेटा लौटाता है जो विशिष्ट वित्तीय गणनाओं को प्रदान करने के लिए संरचित होता है उदाहरण के लिए बांड पुनर्भुगतान कैलकुलेटर मासिक पुनर्भुगतान कुल पुनर्भुगतान और कुल ब्याज लौटाता है जबकि वाहन पुनर्भुगतान कैलकुलेटर वाहन ऋणों के लिए समान मैट्रिक्स प्रदान करता है
मुख्य क्षेत्र हर एंडपॉइंट के अनुसार भिन्न होते हैं लेकिन सामान्यत: इनमें सफलता की स्थिति, डेटा ऑब्जेक्ट जिसमें गणना के परिणाम होते हैं (जैसे, मासिक चुकौती, कुल ब्याज), और स्रोत तथा अस्वीकरण जैसी मेटा जानकारी शामिल होती है उदाहरण के लिए, बॉंड रिपेमेंट कैलकुलेटर में मासिक_चुकौती और कुल_ब्याज जैसे क्षेत्र शामिल हैं
प्रत्येक एंडपॉइंट के विशेष पैरामीटर होते हैं उदाहरण के लिए बॉंड रीपेमेंट कैलकुलेटर को property_price term_years और annual_interest_rate की आवश्यकता होती है जबकि वैकल्पिक पैरामीटर में जमा शामिल है उपयोगकर्ता इन मानों को प्रदान करके अनुरोधों को कस्टमाइज़ कर सकते हैं ताकि उनके आवश्यकताओं के अनुसार गणनाएँ तैयार की जा सकें
प्रतिक्रिया डेटा को एक सफलता ध्वज, एक डेटा ऑब्जेक्ट जिसमें गणना के परिणाम होते हैं, और एक मेटा ऑब्जेक्ट जिसमें अतिरिक्त जानकारी होती है में संगठित किया गया है उदाहरण के लिए बॉंड उपलब्धता कैलकुलेटर की प्रतिक्रिया में डेटा ऑब्जेक्ट के भीतर max_property_price और max_monthly_repayment शामिल हैं
डेटा दक्षिण अफ्रीकी प्रतिष्ठित संस्थानों जैसे SARS, LPC और Stats SA से लिया गया है यह गणनाओं में सटीकता और विश्वसनीयता सुनिश्चित करता है विशेष रूप से कर और वित्तीय मेट्रिक्स के लिए जैसे PAYE इनकम टैक्स कैलकुलेटर जैसी अंतिम बिंदुओं में देखा गया है
विशिष्ट उपयोग के मामलों में वित्तीय योजना, बंधक गणनाएँ और वाहन वित्तपोषण आकलन शामिल हैं उपयोगकर्ता API का लाभ उठा सकते हैं मासिक चुकताओं का अनुमान लगाने के लिए लागत का आकलन करने के लिए और ऋण परिदृश्यों की तुलना करने के लिए जिससे समझदारी से वित्तीय निर्णय लेने में मदद मिल सके
उपयोगकर्ता लौटाए गए डेटा का उपयोग वित्तीय अनुप्रयोगों या कैलकुलेटरों में एकीकृत करके कर सकते हैं। उदाहरण के लिए, बांड अमॉर्टाइजेशन शेड्यूल एंडपॉइंट से अमॉर्टाइजेशन शेड्यूल को उधारी की अवधि के दौरान विस्तृत पुनर्भुगतान अंतर्दृष्टियों के लिए उपयोगकर्ताओं को प्रदर्शित किया जा सकता है
डेटा की सटीकता को आधिकारिक स्रोतों से नियमित अपडेट और प्रकाशित दिशानिर्देशों के पालन के माध्यम से बनाए रखा जाता है प्रत्येक एंडपॉइंट की प्रतिक्रिया में एक अस्वीकरण शामिल होता है जो यह जोर देता है कि परिणाम अनुमान हैं और उन्हें योग्य वित्तीय सलाहकार के साथ सत्यापित किया जाना चाहिए