{"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
}'
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 每月债券还款SA金融计算器 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 🎉)
一整套南非金融计算器全面涵盖债券和房地产成本、车辆融资、PAYE税、增值税、退休一次性付款、个人贷款和通货膨胀。所有货币值以南非兰特(ZAR)为单位。涵盖了25个端点,涉及债券、车辆、税收和个人财务模块。数据来源于南非收入服务局、土地与财产委员会、政府公报、南非储备银行和南非统计局。
所有的货币输入和输出均为南非兰特(ZAR)请勿使用分的值 - 始终使用完整的兰特金额
所有结果仅为信息目的的估算 律师费用、地契办公室费用和转让税是根据官方发布的收费标准计算的但实际金额可能因交易而异 每个回应在元字段中都包含免责声明
所有税务计算默认使用2026/27财年(2026年3月1日至2027年2月28日),基于SARS最近的预算公告。2023年、2024年和2025年的历史范围可以通过税率范围比较和财年端点获取
基准利率每天从南非储备银行(resbank.co.za)抓取并持久化到数据库中 GET /bond/prime-rate 端点始终返回最近确认的利率以及抓取时间戳 如果实时抓取失败,则使用最后成功持久化的值,并在响应中包含flagback: true
转让律师费用(也称为过户费用)和债券注册律师费用是使用自2025年8月1日起生效的LSSA增量收费标准计算的 公式为基础费用加上每个单位或部分的增量 四舍五入 所有律师费用金额均包含15%的增值税并标记为is_estimate: true 因为实际费用是可协商的并且因公司而异
转让费用包括将房产的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。注册费用包括注册新抵押贷款的费用,包括抵押登记律师费和契约办公室注册费。/bond/total-purchase-cost端点将两者合并为一个单一的明细
气球支付减少了每个月的摊销金额,从而导致每月还款更低然而气球的总金额仍然作为单一金额在融资期限结束时到期并不计入每月还款每个包含气球支付的回答都包括一个警告字段以明确这一点
使用SARS平均法进行计算 税款是根据总收入加奖金计算的 然后减去仅对收入的税款 差额就是奖金的税款 这与大多数南非雇主用于工资单计算的方法一致
- 税率和转让税:在年度预算演讲后于二月更新 - 公证费:在政府公报发布后于四月更新 - 律师费用LPC:在LSSA指引发布后于八月更新 - 优惠利率:在SARB的MPC每次决定后通过爬虫每日更新
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。所有结果都应清晰地呈现给最终用户作为估算。每个响应元块中的免责声明字段是为此目的提供的
每个端点返回的JSON数据结构旨在提供特定的财务计算。例如,债务偿还计算器返回每月偿还额、总偿还额和总利息,而车辆偿还计算器则提供车辆贷款的类似指标
关键字段因端点而异,但通常包括成功状态、包含计算结果的数据对象(例如,月还款、总利息)以及源和免责声明等元信息。例如,债券还款计算器包括字段,如月还款和总利息
每个端点都有特定的参数。例如,债券偿还计算器需要property_price,term_years和annual_interest_rate,而可选参数包括deposit。用户可以通过提供这些值来自定义请求,以便将计算调整为他们的需求
响应数据组织为一个成功标志、一个包含计算结果的数据对象和一个带有附加信息的元对象。例如,债券可负担性计算器的响应在数据对象中包含max_property_price和max_monthly_repayment
数据来源于南非信誉良好的机构,如南非税务局、劳动职业委员会和南非统计局。这确保了计算的准确性和可靠性,特别是在税收和财务指标方面,如PAYE所得税计算器等端点
典型的用例包括财务规划 贷款计算和车辆融资评估 用户可以利用API估算每月还款 评估负担能力以及比较贷款场景 帮助做出明智的财务决策
用户可以通过将返回的数据集成到财务应用程序或计算器中来利用这些数据。例如,从债券摊销表端点获取的摊销计划可以展示给用户,以便在贷款期限内提供详细的还款洞察。
数据准确性通过定期从官方来源更新和遵循发布的指南得到维护 每个终端的响应包括免责声明 强调结果是估算值 应与合格的财务顾问进行验证