High Income Child Benefit Charge Calculator
Calculate the High Income Child Benefit Charge (1% per £200 above £60,000, full clawback at £80,000) and how a pension contribution reduces it.
Dati verificati · luglio 2026
Who pays the High Income Child Benefit Charge?
The partner with the higher adjusted net income when it exceeds £60,000 and Child Benefit is claimed in the household — regardless of who receives the benefit.
Fonte: GOV.UK — Child Benefit tax charge (gov.uk/child-benefit-tax-charge); Child Benefit rates (gov.uk/child-benefit-rates). · aggiornato 2026
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Tutto su High Income Child Benefit Charge Calculator
📋Presentazione+
Computes 2025/26 Child Benefit (£26.05/week for the eldest child, £17.25 for each additional) and the High Income Child Benefit Charge on the higher earner's adjusted net income — 1% of the benefit per full £200 above £60,000, fully clawed back at £80,000 — including the mitigation from a gross pension contribution.
💡 Buone pratiche
- Pension contributions reduce adjusted net income — often turning the charge into extra retirement savings.
- Keep claiming even at 100% clawback (or opt out of payments only): the claim protects State Pension NI credits for a non-working parent.
- In the £60,000–£80,000 zone the taper adds an effective marginal rate on top of 40% income tax.
🔢 Esempio concreto
£70,000 income, 2 children: benefit £2,251.60/yr, charge 50% (£1,125.80). A £10,000 gross pension contribution brings income to £60,000 — charge eliminated, £1,125.80 saved.
📖Guida all'uso+
Come usare questo calcolatore
- 1
Enter the higher earner's adjusted net income.
- 2
Enter the number of children you claim for.
- 3
Optionally add a planned gross pension contribution to see the charge reduction.
- 4
Read the annual benefit, the charge and the net amount kept.
📚Glossario+
- Adjusted net income
- Total taxable income minus gross pension contributions and Gift Aid. It is the HIGHER earner's income that counts — not the household total.
- Clawback taper
- 1% of the Child Benefit per full £200 of income above £60,000 — reaching 100% at £80,000.
ℹ️Fonti e aggiornamenti+
Ultimo aggiornamento dei dati
5 luglio 2026
Fonti e riferimenti
GOV.UK — Child Benefit tax charge (gov.uk/child-benefit-tax-charge); Child Benefit rates (gov.uk/child-benefit-rates).
I dati di questo calcolatore vengono aggiornati regolarmente per riflettere gli ultimi parametri ufficiali. In caso di dubbio, consulta le fonti ufficiali indicate sopra.
FAQ — High Income Child Benefit Charge Calculator
Who pays the High Income Child Benefit Charge?+
The partner with the higher adjusted net income when it exceeds £60,000 and Child Benefit is claimed in the household — regardless of who receives the benefit.
How much is Child Benefit in 2025/26?+
£26.05 a week for the eldest or only child and £17.25 for each additional child — about £2,251.60 a year for two children.
Should I stop claiming to avoid the charge?+
Usually keep the claim and opt out of payments if you prefer: the claim itself protects National Insurance credits towards the State Pension and the child's NI number.