Child Benefit Calculator
Estimate the High Income Child Benefit Charge (HICBC) and understand how your earnings affect the amount of benefit you keep.
Interactive High Income Charge Calculator
Adjust your income and family details to see how the charge affects you.
Your Details
Enter the amount you personally pay into your pension. This can reduce your adjusted net income.
Your Estimated Position
Net Benefit Remaining
£998
Your Adjusted Net Income is
£65,000.00
Total Annual Child Benefit
£1,331.20
High Income Charge to Pay
£332.80
What is the High Income Child Benefit Charge?
It's a tax charge designed to claw back Child Benefit from higher earners.
If you or your partner have an 'adjusted net income' over £60,000 for the 2025/26 tax year and one of you claims Child Benefit, you'll have to pay the charge. The charge increases gradually with income, and once your income hits £80,000, the charge equals the entire amount of Child Benefit you receive. Our calculator helps you estimate this based on your personal income, which you can work out in detail using our main take-home pay calculator.
Child Benefit Rates (2025/26)
Eldest or only child:
£25.60 per week
Each additional child:
£16.95 per week
How the Charge is Calculated
For every £200 of income you have over £60,000, you pay back 1% of your Child Benefit award.
Example: If your income is £65,000, you are £5,000 over the threshold. This means you must pay back 25% of your Child Benefit award (£5,000 / £200 = 25%).
What is a Child Trust Fund?
A legacy savings account for children born between 2002 and 2011.
Child Trust Funds (CTFs) were long-term savings accounts set up by the government for every child born between 1 September 2002 and 2 January 2011. The government provided an initial voucher (typically £250) to open the account.
While you can no longer open a new CTF, existing accounts are still active. If you think your child has a lost or forgotten CTF, you can find it using the official government service.
Find a lost Child Trust Fund on GOV.UK