{"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
}'
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 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
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必需
应为 Bearer access_key. 订阅后,请查看上方的"您的 API 访问密钥"。
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(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物业成本、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。所有货币价值均以南非兰特(ZAR)为单位。覆盖债券、车辆、税务和个人财务模块的25个端点。数据来源于南非税务局、贷款保护委员会、政府公报、南非储备银行和南非统计局。
所有的货币进出都以南非兰特(ZAR)为单位 不要传递以分为单位的金额 - 始终使用以兰特为单位的整数金额
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时间表计算的,但实际金额可能因交易而异 每个回应都在元字段中包含免责声明
所有税务计算默认使用2026/27税年(2026年3月1日到2027年2月28日),基于最新的SARS预算公告。2023年、2024年和2025年的历史税级可以通过税级和税年比较端点获取
从南非储备银行(resbank.co.za)每日提取的基准利率保存在一个数据库中 GET /bond/prime-rate 接口始终返回最近确认的利率以及提取的时间戳 如果实时提取失败,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(也称为过户费)和抵押注册律师费按2025年8月1日生效的LSSA增量收费标准计算。公式为基础费用加上每个单位或其部分的增量,向上取整。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,且因公司而异
转让费用包括将卖方的产权转移给买方的费用,包括转让税 转让律师费和登记处转让费 注册费用包括登记新抵押贷款的费用 包括抵押贷款登记律师费和登记处注册费 端点/bond/total-purchase-cost将两者合并为一个单一的分项
气球付款减少了每个月的摊销金额,导致每月支付金额较低然而气球的总额在融资期结束时作为一次性付款仍然到期,并不包括在每月付款中所有包含气球付款的回复都包含一个警告字段以明确这一点
SARS平均法被使用 税款是在总收入和奖金基础上计算的 然后单独扣除工资税 差额就是奖金税 这对应于大多数南非雇主出于工资单目的使用的方法
- 税级和转让税:在年度预算演讲后于二月更新 - 公证处费用:在政府公报发布后于四月更新 - LPC 律师费率:在 LSSA 指引发布后于八月更新 - 主要贷款利率:在每次 SARB MPC 决策后通过抓取器每日更新
API适合于显示估算、构建计算器和信息工具。它不是专业财务、税务或法律建议的替代品。所有结果应清楚地作为估算呈现给最终用户。每个目标响应块中的免责声明字段是为此目的提供的
每个端点返回结构化的JSON数据,以提供特定的财务计算或信息。例如,债券偿还计算器返回每月偿还金额、总偿还金额和利息细节,而PAYE所得税计算器提供税务细分和净收入数据
主要字段根据终点不同而有所变化,但通常包括“成功”“数据”和“目标”例如标题退款计算器包括“月退款”“总利息”和“年限”等字段,而目标字段提供来源信息和通知
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”。也可以包括可选参数,如“押金”。有关详细的参数要求,请参阅每个端点的文档
响应数据被组织成结构化的JSON格式 "data"对象包含计算结果 "meta"对象包括额外的信息,例如数据来源和免责声明 这种结构便于解析和利用结果
数据来自南非信誉良好的机构,包括南非税务局、法律实践委员会、政府公报、南非储备银行和南非统计局。这确保了提供的计算和信息是基于官方和最新的数据,从而提高了可靠性
典型的用例包括财务规划、抵押贷款评估、税务计算和车辆融资场景 用户可以利用API为个人财务应用程序构建计算器 帮助个人做出明智的财务决策
用户可以通过提供与其需求相关的具体参数来自定义请求 例如在车辆可达性计算器中用户可以调整“月预算”“存款”和“期限(个月)”以反映他们的财务状况和偏好
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加以利用。例如,债券比较计算器提供了两个情景的结构化比较,使用户能够轻松识别基于总利息和月付款的更具成本效益的选择