High Income Child Benefit Charge Calculator 2026–2027

Earning over £60,000 with children? Calculate how much Child Benefit you will keep after the HICBC taper.

£
%

Annual Child Benefit

£2,252

HICBC Charge

£1,126

Benefit You Keep

£1,126

% Clawed Back

50%

50% of your Child Benefit is being clawed back. Contributing an additional £10,000 to your pension would bring your Adjusted Net Income to £60,000 and eliminate the charge, saving £1,126/year.

Child Benefit Rates 2026–2027

Eldest or only child£26.05/week · £1,354.60/year
Each additional child£17.25/week · £897.00/year
HICBC taper range£60,000 – £80,000

Frequently Asked Questions

What is the High Income Child Benefit Charge?

If either parent in a household earns over £60,000, they must repay some or all of their Child Benefit via Self Assessment. For every £200 earned above £60,000, 1% of Child Benefit must be repaid. At £80,000+, 100% is clawed back.

Should I still claim Child Benefit if I earn over £80,000?

Yes — you should still claim Child Benefit even if you will repay it in full. Claiming builds National Insurance credits toward the State Pension, which can be valuable if you are not working. You can opt not to receive the payments but still register the claim.

How do I pay the High Income Child Benefit Charge?

You pay via Self Assessment. Register for Self Assessment at gov.uk/register-for-self-assessment and submit a tax return each year declaring the charge. HMRC cannot collect it via PAYE.

Can pension contributions reduce the charge?

Yes. The charge is based on your Adjusted Net Income, which is reduced by pension contributions. If you earn £75,000 and contribute £15,000 to a pension, your ANI falls to £60,000 and the charge disappears entirely.