{"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
}'
注册后,每个开发者都会被分配一个个人 API 访问密钥,这是一个唯一的字母和数字组合,用于访问我们的 API 端点。要使用 物业成本估算器 SA 财务计算器 API 进行身份验证,只需在 Authorization 标头中包含您的 bearer token。
| 标头 | 描述 |
|---|---|
授权
|
必需
应为 Bearer access_key. 订阅后,请查看上方的"您的 API 访问密钥"。
|
无长期承诺。随时升级、降级或取消。 免费试用包括最多 50 个请求。
(年度计费可节省 2 个月 🎉)
一套全面的南非金融计算器,涵盖债券和房产成本、车辆融资、PAYE税、增值税、退休一次性款项、个人贷款和通货膨胀。所有货币价值以南非兰特(ZAR)表示。覆盖债券、车辆、税务和个人理财模块的25个端点。数据来源于南非税务局、土地注册处、政府公报、南非储备银行和南非统计局。
所有货币的输入和输出均以南非兰特(ZAR)为单位。请勿使用分的数值 — 始终使用完整的兰特金额
所有结果均为仅供参考的估计 律师费用 公证费用和转让税是根据官方发布的表格计算的 但实际金额可能因交易而异 每个回答包括在目标字段中的警告
所有税务计算默认使用2026/27税年(2026年3月1日至2027年2月28日),基于最新的南非税务局预算公告。2023年、2024年和2025年的历史税率区间可以通过税率区间和税年比较端点获取
获取的基准利率每日从南非中央银行(resbank.co.za)收集并存储在数据库中 GET /bond/prime-rate 接口总是返回最近确认的利率以及收集的时间戳 如果实时收集失败,则使用最后成功存储的值,并在响应中包含 flagback: true
转让律师费用(也称为过户费)和抵押注册律师费用是根据2025年8月1日起生效的LSSA增量收费标准计算的。公式为基础费用加单位或部分单位的增量,向上取整。所有律师费用金额都包含15%的增值税,并标记为is_estimate:true,因为实际费用是可以协商的,并因公司而异
转让费用包括将财产所有权从卖方转移到买方的费用——包括转让税、转让律师费和契约办公室转让费。登记费用包括注册新的抵押贷款的费用——包括抵押贷款注册律师费和契约办公室注册费。/bond/total-purchase-cost端点将这两者结合为一个单一的明细
气球支付减少了每月偿还的金额,导致每月支付更低然而气球的总金额在融资期结束时仍需一次性偿还,并未包含在每月支付中每个包含气球支付的回答都包括一个警告字段,使其明确
使用SARS平均法进行计算 税收是基于总收入加奖金计算 然后减去仅基于收入的税收 差额就是奖金的税 这与大多数南非雇主在工资单上使用的方法相符
- 税率和转让税:在年度预算演讲后于二月更新 - 契约登记处费用:在政府公报发布后于四月更新 - LPC 律师收费标准:在 LSSA 指南发布后于八月更新 - 优惠贷款利率:在每次 SARB MPC 决策后每日通过爬虫更新
该API适合用于显示估算、构建计算器和信息工具。它不能替代专业的财务、税务或法律建议。所有结果应清晰地作为估算呈现给最终用户。每个响应元块中的免责声明字段就是为了这个目的而提供的
每个端点返回与特定财务计算相关的结构化JSON数据例如债券还款计算器返回每月还款总还款和总利息而PAYE所得税计算器提供详细的税收细分包括总收入税和净月收入
关键字段因端点而异,但通常包括“成功”(布尔值)、“数据”(包含计算结果的对象)和“元数据”(包含来源、免责声明和备注的对象)。例如,债券还款计算器包括“每月还款”、“总利息”和“期限(年)”等字段
每个端点都有特定的参数。例如,债券还款计算器需要“房产价格”“贷款年限”和“年利率”。可选参数如“押金”也可以包括在内。有关详细的参数要求,请参阅端点文档。
响应数据被组织成三个主要部分:“success”表示请求状态,“data”包含计算结果,“meta”提供额外的背景信息,如来源和免责声明。这个结构帮助用户快速评估结果及其可靠性
数据来源于南非知名机构,如南非税务局、土地和财产委员会以及南非统计局。例如,税务计算依赖于南非税务局最新的税级,而物业转让费用则基于土地和财产委员会的指导原则,从而确保准确性和可靠性
典型的用例包括财务规划、房地产购买和车辆融资 用户可以利用该API来估算每月还款评估可负担性和计算总拥有成本以帮助做出明智的财务决策
用户可以通过提供与其财务状况相关的特定参数来自定义请求。例如,在使用债券可负担性计算器时,用户可以输入他们的“总月收入”和“存款”以根据他们的财务状况获得量身定制的结果
标准数据模式包括类似端点之间一致的字段名称,例如债券和车辆计算器中都使用的“monthly_repayment”。用户可以期待结构化输出,以便于轻松集成到应用程序中,从而实现无缝的用户体验