{
    "$schema": "https://schemas.agentskills.io/discovery/0.2.0/schema.json",
    "version": "0.2.0",
    "updated_at": "2026-05-11T17:03:58+02:00",
    "publisher": {
        "name": "Zamcalc",
        "url": "https://zamcalc.com"
    },
    "skills": [
        {
            "name": "zamcalc-paye",
            "type": "skill-md",
            "description": "Calculate your monthly take-home pay using the current ZRA income tax bands. Enter your gross salary and instantly see PAYE tax, NAPSA pension contributions, and NHIMA health insurance deductions broken down band by band.",
            "url": "https://zamcalc.com/calculators/paye?format=md",
            "digest": "sha256:8473da73cc62b59e072363e52adfb7405754a07cf3f0570e0a87873151ed5e1a"
        },
        {
            "name": "zamcalc-mobile-money",
            "type": "skill-md",
            "description": "Check the exact fees for sending money and withdrawing cash on Airtel Money and MTN MoMo in Zambia. Compare costs between providers and find the cheapest way to send any amount.",
            "url": "https://zamcalc.com/calculators/mobile-money?format=md",
            "digest": "sha256:4941a47392d8f6c7e8f9027b9cddda19f6cfdbe73785e09e940efc23d0215094"
        },
        {
            "name": "zamcalc-microloan",
            "type": "skill-md",
            "description": "Calculate the true cost of informal loans and microfinance borrowing in Zambia. Enter the principal, interest rate, and loan period to see total interest payable and the full repayment amount.",
            "url": "https://zamcalc.com/calculators/microloan?format=md",
            "digest": "sha256:9fc3e7a622e1bc1ef20d29e7cfc03de9c6ee02df04e90991e339b609bd192f20"
        },
        {
            "name": "zamcalc-loan",
            "type": "skill-md",
            "description": "Work out your monthly loan repayments for personal loans, car finance, or any fixed-term borrowing. See the full amortisation schedule with principal and interest split for every payment.",
            "url": "https://zamcalc.com/calculators/loan-repayment?format=md",
            "digest": "sha256:77f4552b31d22013435486a33da1fe7f934deaf4d69e7470d26a780d3be490ca"
        },
        {
            "name": "zamcalc-savings",
            "type": "skill-md",
            "description": "Set a target amount and a deadline, then find out exactly how much you need to save each month to reach your goal. Factor in interest earned on your savings to see how deposits grow over time.",
            "url": "https://zamcalc.com/calculators/savings-goal?format=md",
            "digest": "sha256:132004232eb9e75be1bd0c7da34973fc304adb1a8c21d6e39175c0ba544ea258"
        },
        {
            "name": "zamcalc-zesco",
            "type": "skill-md",
            "description": "Calculate your ZESCO prepaid or postpaid electricity bill using the current ERB-approved tariff bands. Enter the number of units (kWh) consumed to see the cost breakdown by tariff tier, including fixed charges and VAT.",
            "url": "https://zamcalc.com/calculators/zesco?format=md",
            "digest": "sha256:9941ba0f3c4187295cc67e4591a63f5241af526dfd72d8e98950b0918e428cae"
        },
        {
            "name": "zamcalc-bonds",
            "type": "skill-md",
            "description": "Estimate your returns on GRZ treasury bonds and government securities. Enter the face value, coupon rate, and tenor to see semi-annual coupon payments and total yield at maturity.",
            "url": "https://zamcalc.com/calculators/bonds?format=md",
            "digest": "sha256:cfacf9339cdeba60dd18c4ce50aa3e8f49e872d143fbdb533ed80e7d1154ef14"
        },
        {
            "name": "zamcalc-tbills",
            "type": "skill-md",
            "description": "Calculate returns on Zambia Government Treasury Bills. Enter your investment amount, select a tenor, and set the yield rate to see the face value, discount interest, withholding tax, and net return at maturity.",
            "url": "https://zamcalc.com/calculators/treasury-bills?format=md",
            "digest": "sha256:d641302f827df6e3a5361a381b872368c02968e80c43c7dcdf744e53026ef5ed"
        },
        {
            "name": "zamcalc-compound",
            "type": "skill-md",
            "description": "See how your money grows over time with compound interest. Enter a starting amount, interest rate, and investment period to visualise the power of compounding on your savings or investments in Zambia.",
            "url": "https://zamcalc.com/calculators/compound-interest?format=md",
            "digest": "sha256:b0d74958edf61de0baa37e13c2d04ad0a2e9bf36fd373ad19f0b4b7b78eb70f7"
        },
        {
            "name": "zamcalc-gratuity",
            "type": "skill-md",
            "description": "Calculate end-of-contract gratuity for long-term employment in Zambia. Enter your monthly basic pay, contract duration, and agreed gratuity rate to see the gross payout and optional tax deductions.",
            "url": "https://zamcalc.com/calculators/gratuity?format=md",
            "digest": "sha256:c9311c2bff547c6dd8326e2de3d0dc759cd891b481a4d32f900ba50eefcd88e1"
        },
        {
            "name": "zamcalc-vehicle-import",
            "type": "skill-md",
            "description": "Calculate ZRA import duty or estimate the total landed cost of importing a used vehicle into Zambia. Supports petrol, diesel, hybrid, and electric vehicles with live exchange rates for CIF-based ad valorem duty and full cost breakdowns including freight, clearing, RTSA, and insurance.",
            "url": "https://zamcalc.com/calculators/vehicle-import-duty?format=md",
            "digest": "sha256:d295623a5e55ed9f53ccb694edbf0c98178ab36434227d00793a0657f7d68e07"
        },
        {
            "name": "zamcalc-vat",
            "type": "skill-md",
            "description": "Calculate Value Added Tax at 16% on goods and services in Zambia. Add VAT to a price or remove VAT from an inclusive amount instantly.",
            "url": "https://zamcalc.com/calculators/vat?format=md",
            "digest": "sha256:9436834ca4d181bad46322685f30a1235e4c2d8354ffb23d25bbc02eb4b9bc7f"
        },
        {
            "name": "zamcalc-turnover-tax",
            "type": "skill-md",
            "description": "Calculate Turnover Tax (TOT) for small businesses in Zambia at the current 5% rate. Enter your monthly gross sales to see tax payable and net earnings instantly.",
            "url": "https://zamcalc.com/calculators/turnover-tax?format=md",
            "digest": "sha256:4e083d865f8c9fe527e28a08089056cd2416672ad92f3a0a90c39728e8c73883"
        },
        {
            "name": "zamcalc-withholding-tax",
            "type": "skill-md",
            "description": "Calculate Withholding Tax (WHT) in Zambia on dividends, interest, royalties, management fees and commissions. Covers resident and non-resident rates with double tax treaty comparisons for 23 countries.",
            "url": "https://zamcalc.com/calculators/withholding-tax?format=md",
            "digest": "sha256:7568dbad29da78a793db98dd90a99b81a2ef8eaca88b54044e4569111ccd1fc0"
        },
        {
            "name": "zamcalc-property-transfer-tax",
            "type": "skill-md",
            "description": "Calculate Property Transfer Tax (PTT) on land, shares, mining rights, mineral processing licences, and intellectual property in Zambia. Updated with current rates from Act No. 27 of 2024.",
            "url": "https://zamcalc.com/calculators/property-transfer-tax?format=md",
            "digest": "sha256:d27fbcd2a261b8ca11ee56418468ae11ceaae51c096ed2e8b43758e7b69b7a19"
        },
        {
            "name": "zamcalc-solar",
            "type": "skill-md",
            "description": "Size a solar power system for your home or business in Zambia. List your appliances and daily usage hours to get recommended panel wattage, battery capacity, and inverter size tailored to Zambian sun hours.",
            "url": "https://zamcalc.com/calculators/solar?format=md",
            "digest": "sha256:ba5197efbc11930c3cb6b30dfe9a6de255d4134162fcc981e3d506b19e993694"
        },
        {
            "name": "zamcalc-helsb-loans",
            "type": "skill-md",
            "description": "Estimate your HELSB student loan based on university fees and sponsorship level, or calculate repayment at 10% annual interest over up to 10 years.",
            "url": "https://zamcalc.com/calculators/helsb-loans?format=md",
            "digest": "sha256:6cc410fa9500581ae6d134f6b034493e75ce00b5f04ee977eb039d622f83c953"
        },
        {
            "name": "zamcalc-nhima",
            "type": "skill-md",
            "description": "Calculate your NHIMA health insurance contribution in Zambia. See employee and employer shares at 1% each, annual projections, and net salary impact based on the National Health Insurance Act No. 2 of 2018.",
            "url": "https://zamcalc.com/calculators/nhima?format=md",
            "digest": "sha256:fb698435f58e0ad600eb9c28c56040562e8677bd5db43d93c7e6f31b20858e76"
        },
        {
            "name": "zamcalc-napsa",
            "type": "skill-md",
            "description": "Calculate your NAPSA pension contribution in Zambia. See employee and employer shares at 5% each, ceiling impact at K1,861.80, annual projections, and net salary based on the National Pension Scheme Act.",
            "url": "https://zamcalc.com/calculators/napsa?format=md",
            "digest": "sha256:b21f6b9228edcb4b4d934f3c4008ee90d92de83b16bfb06886b5e0b8b02381cf"
        },
        {
            "name": "zamcalc-overtime",
            "type": "skill-md",
            "description": "Calculate overtime pay in Zambia using Employment Code Act No. 3 of 2019 rates. Enter your monthly salary or hourly rate and overtime hours for ordinary day, rest day, and public holiday work.",
            "url": "https://zamcalc.com/calculators/overtime?format=md",
            "digest": "sha256:11cee90e0428b943b8c410f9e62a5f490d039185bdba7bfa65e3e36c505a20aa"
        },
        {
            "name": "zamcalc-rental-income-tax",
            "type": "skill-md",
            "description": "Calculate rental income tax for landlords in Zambia. Covers 2026 progressive bands (0%, 4%, 16%) on gross rent for domestic and commercial properties, including VAT on commercial rentals.",
            "url": "https://zamcalc.com/calculators/rental-income-tax?format=md",
            "digest": "sha256:eed4c53a242b0ffc26d9393724af3e9e8d6ef76dc94b086d5f3a2bef1819ec59"
        },
        {
            "name": "zamcalc-leave-days",
            "type": "skill-md",
            "description": "Calculate the cash value of your accrued leave days in Zambia using the Employment Code Act formula. Enter basic pay, allowances, and leave days to see gross and net leave value.",
            "url": "https://zamcalc.com/calculators/leave-days?format=md",
            "digest": "sha256:949c2acef8a4fbc2a12ff7953ea0321d7f9307638bbfeb4140f6e63770d7e258"
        },
        {
            "name": "zamcalc-terminal-benefits",
            "type": "skill-md",
            "description": "Calculate everything owed when employment ends in Zambia - notice pay, accrued leave, gratuity, and redundancy pay based on the Employment Code Act No. 3 of 2019.",
            "url": "https://zamcalc.com/calculators/terminal-benefits?format=md",
            "digest": "sha256:59107519200bcce30d754779215c85292609052b46971121e43a2100d3e11408"
        },
        {
            "name": "zamcalc-road-tax",
            "type": "skill-md",
            "description": "Calculate annual road tax (vehicle licence fee) in Zambia based on vehicle weight. See RTSA fees for motorcycles, cars, and trucks with quarterly payment options.",
            "url": "https://zamcalc.com/calculators/road-tax?format=md",
            "digest": "sha256:e57892fe8679dbd50ed743cafc42ea47f2b8fcdd11ab27c637e8cde1a7c1d78c"
        },
        {
            "name": "zamcalc-payroll-summary",
            "type": "skill-md",
            "description": "Run a full payroll breakdown for multiple employees using current Zambian PAYE tax bands, NAPSA pension rates, and NHIMA health insurance contributions. See per-employee deductions and total cost to company.",
            "url": "https://zamcalc.com/tools/payroll-summary?format=md",
            "digest": "sha256:776ef5526470202205e97d1213ee1637fd4d33c25f7be25fbddd75298441d24e"
        },
        {
            "name": "zamcalc-currency-rates",
            "type": "skill-md",
            "description": "Track live exchange rates for the Zambian Kwacha against USD, GBP, EUR, ZAR, and other major currencies. Rates update throughout the day so you always have the latest ZMW conversion figures.",
            "url": "https://zamcalc.com/tools/currency-rates?format=md",
            "digest": "sha256:ec760912fb72ebb8490d9ac4497677a78c349c6a355f95fd049c564424abf432"
        }
    ]
}