दक्षिण अफ्रीकी वित्तीय कैलकुलेटरों का एक सर्व comprehensive संग्रह जो बांड और संपत्ति लागत, वाहन वित्त, PAYE कर, VAT, सेवानिवृत्ति एकमुश्त राशि, व्यक्तिगत ऋण और मुद्रास्फीति को कवर करता है सभी मौद्रिक मूल्य ZAR में हैं बांड, वाहन, कर और व्यक्तिगत वित्त मॉड्यूल के 25 अंत बिंदुओं को कवर करता है डेटा SARS, LPC, सरकारी राजपत्र, SARB और Stats SA से प्राप्त किया गया है
{"success":true,"data":{"version":"1.0.0","uptime_seconds":137620,"environment":"production"}}
curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24863/health+check' --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/12762/sa+financial+calculators+api/24864/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/12762/sa+financial+calculators+api/24865/bond+affordability+calculator' --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/12762/sa+financial+calculators+api/24866/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/12762/sa+financial+calculators+api/24867/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/12762/sa+financial+calculators+api/24868/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/12762/sa+financial+calculators+api/24869/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/12762/sa+financial+calculators+api/24870/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/12762/sa+financial+calculators+api/24871/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/12762/sa+financial+calculators+api/24872/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/12762/sa+financial+calculators+api/24873/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/12762/sa+financial+calculators+api/24874/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/12762/sa+financial+calculators+api/24875/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/12762/sa+financial+calculators+api/24876/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/12762/sa+financial+calculators+api/24877/paye+income+tax+calculator' --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/12762/sa+financial+calculators+api/24878/net+salary+calculator' --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/12762/sa+financial+calculators+api/24879/annual+bonus+tax+calculator' --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/12762/sa+financial+calculators+api/24880/tax+brackets+by+year' --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/12762/sa+financial+calculators+api/24881/current+tax+rates' --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/12762/sa+financial+calculators+api/24882/vat+calculator' --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/12762/sa+financial+calculators+api/24883/retirement+lump+sum+tax+calculator' --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/12762/sa+financial+calculators+api/24884/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/12762/sa+financial+calculators+api/24885/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/12762/sa+financial+calculators+api/24886/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/12762/sa+financial+calculators+api/24887/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/12762/sa+financial+calculators+api/24888/inflation+future+value+calculator' --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 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 सूट जो बांड और संपत्ति लागत, वाहन वित्त, PAYE कर, VAT, रिटायरमेंट लंप सम, व्यक्तिगत ऋण और महंगाई को कवर करता है सभी मौद्रिक मान ZAR में हैं बांड, वाहन, कर और व्यक्तिगत वित्त मॉड्यूल में 25 एंडपॉइंट्स कवर करता है डेटा SARS, LPC, सरकारी गजट, SARB और Stats SA से प्राप्त किया गया है
सभी मौद्रिक प्रवेश और निकासी दक्षिण अफ्रीकी रैंड (ZAR) में हैं सेंट में राशि न भेजें - हमेशा रैंड में पूर्ण मात्रा का उपयोग करें
सभी परिणाम केवल जानकारी के उद्देश्य से अनुमानों के रूप में हैं वकील की फीस, डीड्स ऑफिस की फीस और हस्तांतरण शुल्क आधिकारिक प्रकाशित अनुसूचियों का उपयोग करके गणना की जाती हैं लेकिन वास्तविक राशि हर लेनदेन के अनुसार भिन्न हो सकती है हर जवाब में मेटा क्षेत्र में एक अस्वीकरण होता है
सभी कर गणनाएँ डिफ़ॉल्ट रूप से 2026/27 कर वर्ष (1 मार्च 2026 से 28 फरवरी 2027) का उपयोग करती हैं, जो नवीनतम SARS बजट घोषणा के आधार पर है। 2023, 2024, और 2025 के ऐतिहासिक श्रेणियाँ कर श्रेणियों और कर वर्ष तुलना एंडपॉइंट्स के माध्यम से उपलब्ध हैं
प्राइम ब्याज दर दक्षिण अफ्रीका रिजर्व बैंक (resbank.co.za) से दैनिक रूप से निकाली जाती है और एक डेटाबेस में स्थायी होती है GET /bond/prime-rate का एंडपॉइंट हमेशा हाल ही में पुष्टि की गई दर के साथ एक निकालने का टाइमस्टैम्प लौटाता है यदि लाइव निकासी विफल हो जाती है तो आखिरी सफलतापूर्वक स्थायी किया गया मान उपयोग किया जाता है और flagback: true उत्तर में शामिल किया जाता है
ट्रांसफर अटॉर्नी शुल्क (जिसे कॉन्वेयनसिंग शुल्क भी कहा जाता है) और बंधन पंजीकरण अटॉर्नी शुल्क LSSA वृद्धि tarif अनुसूची का उपयोग करके 1 अगस्त 2025 से प्रभावी रूप से गणना की जाती है। सूत्र आधार शुल्क प्लस प्रत्येक यूनिट या उसके भाग के लिए वृद्धि है जो गोल की जाती है। सभी अटॉर्नी शुल्क राशि में 15% का VAT शामिल होता है और इसे is_estimate: true के रूप में चिह्नित किया गया है क्योंकि वास्तविक शुल्क बातचीत योग्य होते हैं और फर्म के अनुसार भिन्न होते हैं
स्थानांतरण लागत विक्रेता से खरीदार के स्वामित्व को स्थानांतरित करने के लिए शुल्क कवर करती हैं - जिसमें स्थानांतरण कर स्थानांतरण वकील की फीस और पंजीकरण कार्यालय का स्थानांतरण शुल्क शामिल है पंजीकरण लागत नए बंधक को पंजीकृत करने के लिए शुल्क कवर करती हैं - जिसमें बंधक पंजीकरण वकील की फीस और पंजीकरण कार्यालय का पंजीकरण शुल्क शामिल है एंडपॉइंट /bond/total-purchase-cost दोनों को एक ही विवेचना में संयोजित करता है
एक बैलून भुगतान हर महीने को कम कर दी जाने वाली राशि को कम करता है जिससे मासिक भुगतान कम होता है हालांकि बैलून की कुल राशि एकल भुगतान के रूप में वित्तपोषण की अवधि के अंत में बनी रहती है और मासिक भुगतान में शामिल नहीं होती है हर जवाब जिसमें बैलून भुगतान शामिल होता है एक चेतावनी क्षेत्र शामिल होता है जिससे यह स्पष्ट होता है
एमएसआर का औसत विधि उपयोग की जाती है कर कुल आय पर आयकर पर आधारित होता है और फिर आय पर कर को अलग से घटाया जाता है अंतर बोनस पर कर होता है यह दक्षिण अफ्रीकी नियोक्ताओं द्वारा पेरोल के उद्देश्यों के लिए उपयोग किए जाने वाले तरीके से मेल खाता है
- कर श्रेणियाँ और स्थानांतरण शुल्क: वार्षिक बजट भाषण के बाद फरवरी में अपडेट किया गया - डीड्स कार्यालय शुल्क: सरकार की गजट प्रकाशन के बाद अप्रैल में अपडेट किया गया - LPC वकील टैरिफ: LSSA मार्गदर्शिका प्रकाशन के बाद अगस्त में अपडेट किया गया - प्रमुख उधारी दर: हर SARB MPC निर्णय के बाद दैनिक रूप से स्क्रेपर के माध्यम से अपडेट किया गया
एपीआई अनुमान प्रदर्शित करने के लिए उपयुक्त है कैलकुलेटर और सूचनात्मक उपकरण बनाने के लिए यह वित्तीय कर या कानूनी पेशेवर सलाह का विकल्प नहीं है सभी परिणामों को अंतिम उपभोक्ताओं के लिए स्पष्ट रूप से अनुमान के रूप में प्रस्तुत किया जाना चाहिए प्रत्येक मेटा उत्तर के खंड में अस्वीकरण इस उद्देश्य के लिए प्रदान किया गया है
प्रत्येक एण्डपॉइंट विशिष्ट वित्तीय गणनाओं या जानकारियों को प्रदान करने के लिए संरचित JSON डेटा लौटाता है उदाहरण के लिए बॉंड रिपेमेंट कैलकुलेटर मासिक चुकौती राशि कुल चुकौती और ब्याज विवरण लौटाता है जबकि PAYE आयकर कैलकुलेटर कर ब्रेकडाउन और शुद्ध आय आंकड़े प्रदान करता है
मुख्य फ़ील्ड अंतिम बिंदु के अनुसार भिन्न होते हैं लेकिन आमतौर पर "सफलता" "डेटा" और "लक्ष्य" शामिल होते हैं उदाहरण के लिए शीर्षक वापसी कैलकुलेटर में "मासिक वापसी" "कुल ब्याज" और "अवधि के वर्ष" जैसे फ़ील्ड शामिल होते हैं जबकि लक्ष्य फ़ील्ड स्रोत की जानकारी और सूचनाएँ प्रदान करती है
प्रत्येक एंडपॉइंट के विशिष्ट पैरामीटर होते हैं उदाहरण के लिए बॉंड पुनर्भुगतान कैलकुलेटर को "संपत्ति_की_कीमत" "अवधि_वर्ष" और "वार्षिक_ब्याज_दर" की आवश्यकता होती है वैकल्पिक पैरामीटर जैसे "जमा" भी शामिल किए जा सकते हैं प्रत्येक एंडपॉइंट के दस्तावेज़ को विस्तृत पैरामीटर आवश्यकताओं के लिए देखें
प्रतिक्रिया डेटा को एक संरचित JSON प्रारूप में व्यवस्थित किया गया है "डेटा" वस्तु में गणना के परिणाम होते हैं जबकि "मेटा" वस्तु में डेटा के स्रोत और अस्वीकरण जैसी अतिरिक्त जानकारी शामिल होती है यह संरचना परिणामों के आसान पार्स और उपयोग की अनुमति देती है
डेटा प्रतिष्ठित दक्षिण अफ़्रीकी संस्थानों से प्राप्त किया गया है जिसमें SARS LPC सरकार की गजट SARB और Stats SA शामिल हैं यह सुनिश्चित करता है कि अनुमानों और प्रदान की गई जानकारी आधिकारिक और वर्तमान डेटा पर आधारित है जो विश्वसनीयता को बढ़ाता है
विशिष्ट उपयोग के मामले वित्तीय योजना, बंधक मूल्यांकन, कर गणनाएँ और वाहन वित्तपोषण परिदृश्यों को शामिल करते हैं उपयोगकर्ता API का उपयोग व्यक्तिगत वित्त अनुप्रयोगों के लिए गणकों का निर्माण करने के लिए कर सकते हैं जिससे व्यक्तियों को सूचित वित्तीय निर्णय लेने में मदद मिलती है
उपयोगकर्ता अपनी आवश्यकताओं के लिए प्रासंगिक विशिष्ट पैरामीटर प्रदान करके अनुरोधों को कस्टमाइज़ कर सकते हैं उदाहरण के लिए वाहन की पहुंचता कैलकुलेटर में उपयोगकर्ता "मासिक_बजट" "जमा" और "समय_महीने" को समायोजित कर सकते हैं ताकि उनकी वित्तीय स्थिति और प्राथमिकताएँ दिखाई दे सकें
उपयोगकर्ता वित्तीय अनुप्रयोगों या कैलकुलेटरों में इसे एकीकृत करकेReturned data का उपयोग कर सकते हैं उदाहरण के लिए बांड तुलना कैलकुलेटर दो परिदृश्यों की संरचित तुलना प्रदान करता है जिससे उपयोगकर्ता कुल ब्याज और मासिक भुगतान के आधार पर अधिक लागत-कुशल विकल्प को आसानी से पहचान सकते हैं