High Income Child Benefit Charge Calculator
Estimate the High Income Child Benefit Charge (HICBC) based on the higher earner's adjusted net income and number of children. Uses 2025/26 thresholds (£60,000–£80,000) to show the charge and how much benefit you keep.
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What this means
The High Income Child Benefit Charge claws back some or all of your Child Benefit if you or your partner have an adjusted net income over £60,000. The charge increases gradually up to £80,000, where the full amount is repaid. Pension contributions can reduce your adjusted net income and lower the charge.
Frequently asked questions
The partner with the higher adjusted net income pays it, even if the other partner claims the Child Benefit. It applies when that income is over £60,000.
For income between £60,000 and £80,000, you repay 1% of your Child Benefit for every £200 over £60,000. At £80,000 or above, the full amount is repaid.
Yes. Pension contributions and Gift Aid reduce your adjusted net income, which can lower or remove the charge. You can also choose not to receive Child Benefit payments while still protecting your State Pension record.
Disclaimer
This calculator estimates the High Income Child Benefit Charge using 2025/26 thresholds and standard Child Benefit rates. It is not tax advice. The charge is based on the higher earner's adjusted net income. Check GOV.UK or speak to HMRC for your exact position.
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