# zaref

> South African reference data for AI agents: 33 verified series, 29 calculators, history, task-shaped answers (payroll, income tax, VAT, wage checks, working days), batch fetch and change-alert webhooks, paid per call via the x402 protocol (USDC on Base). No accounts, no API keys. Python client: pip install zaref.

- **Domain**: `zaref.dev`
- **Provider**: zaref (https://zaref.dev)
- **Kind**: paid_api
- **Category**: data
- **Live-responds (last probe)**: False
- **Signed card**: False
- **Streaming**: False
- **Quality score**: 71%
- **Payment protocol**: x402 · network `eip155:8453` · ≥ $0.005
- **Wallet**: `0x6382e6929a20b7eb02bdacfb5368362984b24c15`

## Skills
- **Fuel prices** — Current SA retail/wholesale fuel prices: petrol 93/95 (inland & coastal), diesel 50ppm, illuminating paraffin. Rand per litre.
- **Repo & prime rate** — SARB repo rate and prime lending rate, South Africa's benchmark interest rates, with last MPC change date.
- **CPI (headline, YoY)** — Latest Stats SA headline consumer inflation, year-on-year %, with reference month.
- **Income tax tables** — SARS personal income tax brackets, rebates and thresholds for the current SA tax year, the tables PAYE is calculated from.
- **VAT rate** — VAT rate currently in force in South Africa.
- **UIF & OID limits** — UIF contribution remuneration ceiling and OID (COIDA) earnings threshold.
- **National minimum wage** — National minimum wage per hour, incl. special categories, with effective date.
- **Public holidays** — Official SA public holidays for the current calendar year, incl. proclaimed one-offs and Sunday observances.
- **School terms** — DBE public school term dates.
- **SASSA grant amounts** — All SASSA social grant amounts incl. SRD, with effective date.
- **SARS travel rates** — SARS prescribed per-km reimbursement rate and subsistence allowances for the current tax year.
- **Other national tax rates** — Corporate tax, dividends WHT, CGT inclusion, transfer duty brackets, retirement caps, medical tax credits, interest exemptions, estate/donations tax.
- **Unemployment rate** — Latest Stats SA QLFS official and expanded unemployment rates, with reference quarter.
- **GDP growth** — Latest Stats SA GDP growth (QoQ and YoY), with reference quarter.
- **PPI (final manufactured goods)** — Latest Stats SA producer inflation YoY, with reference month.
- **Toll fees** — Mainline toll plaza tariffs (vehicle classes 1-4) for the major national routes, current adjustment.
- **Electricity tariffs** — NERSA-approved Eskom tariff increases and key residential rates for the current year.
- **Metro municipal tariffs** — Residential electricity/water/refuse/rates headline tariffs for the 5 big metros, current municipal year.
- **Learnership allowances** — Minimum weekly learnership allowances per NQF level, per the current NMW gazette.
- **Sectoral minimum wages** — Minimum wages for sectors with their own determinations (contract cleaning, private security, etc.) beside the NMW.
- **SARS & prescribed interest rates** — Official rate of interest (fringe benefits, s7C loans), SARS interest on outstanding taxes and refunds, and the prescribed rate of interest for legal and judgme
- **Retirement & TFSA limits** — Retirement contribution deduction cap, tax-free savings limits, retirement and withdrawal lump-sum tax tables, living-annuity thresholds.
- **NCA maximum interest rates** — Maximum lawful interest rates per credit type under National Credit Act (NCA) Regulation 42 Table A, computed at the current repo rate, plus the in duplum rule 
- **BCEA earnings threshold** — The BCEA earnings threshold, which working-time protections fall away above it, the earnings definition and related LRA/EEA effects.
- **Tax calendar** — SARS filing-season windows, provisional tax deadlines, employer reconciliation windows and recurring monthly deadlines.
- **Exchange control allowances** — Single discretionary allowance (R2m from April 2026), foreign investment allowance, minors' travel and cash export limits, with the TCS PIN rules.
- **Deeds Office fees** — Deeds Office transfer and bond registration fee tiers, lodgement and ancillary fees, per the current gazetted schedule.
- **Fuel levies** — General fuel levy, RAF levy and carbon fuel levy per litre for petrol and diesel, plus the carbon tax rate, including temporary relief episodes.
- **ZARONIA benchmark rate** — SARB's ZARONIA risk-free overnight benchmark, the designated JIBAR successor (JIBAR ceases 2026-12-31), with the transition timeline and daily-rate history for 
- **SARS wear-and-tear write-off periods** — SARS BGR7 schedule of straight-line depreciation write-off periods (in years) for over 140 asset classes, plus the R7,000 small-item write-off threshold.
- **ZAR exchange rates** — SARB indicative daily ZAR exchange rates against USD, GBP, EUR and JPY, plus the nominal effective exchange rate (trade-weighted) index.
- **SA benchmark bond yields** — SARB closing yields on the R2030 and R209 South African government benchmark bonds, key reference points for the domestic yield curve.
- **SA sovereign credit rating** — South Africa's current credit rating and outlook from Moody's, S&P Global and Fitch, with each agency's most recent rating action date.
- **Government tenders (live)** — Live South African government tender feed from National Treasury's eTenders OCDS API: filter by province, procurement category, buyer, keyword and closing windo
- **Crypto ZAR prices (live)** — Live ZAR crypto prices from VALR's public market data: last traded, bid/ask, 24-hour high/low/volume and daily change for BTC, ETH and every other ZAR pair on t
- **Calculator: income-tax** — SA personal income tax (PAYE) for the current tax year: annual and monthly tax, effective and marginal rate, SARS age rebates applied.
- **Calculator: net-salary** — Net take-home from a gross monthly salary: PAYE plus employee UIF at the current tables.
- **Calculator: transfer-duty** — Property transfer duty from the current SARS brackets.
- **Calculator: fuel-cost** — Fuel cost for a trip at current official SA fuel prices.
- **Calculator: toll-route** — Total mainline toll cost for a full run of a national route at current gazetted tariffs.
- **Calculator: vat** — Add or strip VAT at the current SA rate (direction=add | remove | strip; unrecognised values are rejected). Free.
- **Calculator: cgt** — Capital gains tax for individuals (marginal method), companies and trusts.
- **Calculator: estate-duty** — Estate duty after the section 4A abatement, tiered at R30m.
- **Calculator: learnership** — Minimum weekly learnership allowance by NQF level and credits.
- **Calculator: lump-sum-tax** — Tax on a retirement fund lump sum or withdrawal using the cumulative SARS method (prior lump sums aggregate).
- **Calculator: nca-max-rate** — Maximum lawful interest rate for a credit agreement under NCA Regulation 42 Table A, at the current or a given repo rate.
- **Calculator: property-costs** — Total statutory costs of buying a property: transfer duty plus Deeds Office transfer, bond and lodgement fees.
- **Calculator: two-pot-withdrawal** — Tax on a two-pot retirement savings-component withdrawal at the member's marginal rate.
- **Calculator: travel-allowance** — PAYE inclusion and monthly tax impact of a fixed travel allowance under the 80/20 rule.
- **Calculator: company-car** — Company car fringe benefit: monthly taxable value (3.5%/3.25%) and PAYE impact.

## URLs
- Agent card: https://zaref.dev/.well-known/agent.json
- Page (HTML): https://agenstry.com/agents/zaref.dev
- Documentation: https://zaref.dev