---
title: "Get Pension Optimisation"
method: GET
path: "/api/tax/pension-optimisation"
tags: ["Tax"]
---

# Get Pension Optimisation

`GET /api/tax/pension-optimisation`

## Request

- Base URL: `https://api.earmarkiq.app` (the document declares no server; this is the origin it was published from)
- URL: `https://api.earmarkiq.app/api/tax/pension-optimisation`
- Auth: HTTP bearer

Calculate optimal pension contributions for tax efficiency.

## Response `200`

Successful Response

- PensionOptimisationResponse
  - `current_band` string, required
  - `annual_income` number, required
  - `detected_monthly_pension` number, required
  - `detected_annual_pension` number, required
  - `optimal_contribution_to_stay_in_band` number, required
  - `tax_saved_by_optimal` number, required
  - `effective_cost_per_100` number, required
  - `salary_sacrifice_ni_saving` number, required
  - `employer_match_potential` number, nullable, required
  - `pension_allowance_used` number, required
  - `pension_allowance_remaining` number, required
  - `personal_allowance_restoration` number, nullable, required
  - `personal_allowance_restoration_saving` number, nullable, required
  - `suggested_allocation_amount` number, nullable

---

[API](https://skmtc.dev/earmarkiq/apis/earmark-api.md) · [All operations](https://skmtc.dev/earmarkiq/apis/earmark-api/llms.txt) · [OpenAPI document](https://skmtc.dev/earmarkiq/apis/earmark-api/revisions/4a2c41907105?raw)