Child Benefit Tax Charge Calculator
High Income Child Benefit Charge (£60k–£80k)Runs in your browser
Adjusted net income £70,000. The charge is 1% of the benefit for every £200 over £60,000, so it cancels the benefit completely at £80,000. It's still worth claiming: you keep part of the benefit, and claiming protects your State Pension record if you're not working.
Paying more into a pension (or making Gift Aid donations) lowers adjusted net income: every £200 below £80,000 takes 1% off the charge.
These are estimates based on 2026/27 rates and the inputs you give. Your actual position can differ (other income, benefits in kind, tax code changes, scheme rules). This is not financial or tax advice.
How it works
Worked example
Input: Adjusted net income £70,000, two children.
- Child Benefit: (£27.05 + £17.90) × 52 = £2,337.40.
- £10,000 over £60,000 ÷ £200 = 50%.
- Charge: 50% of £2,337.40 = £1,168 (rounded down).
Result: You keep £1,169.40.
How to use
- 1Enter the higher earner's income.
- 2Add any personal pension or Gift Aid (gross).
- 3Enter how many children you claim for.
- 4See the benefit, the charge and what you keep.
FAQ
When does the Child Benefit tax charge start?
When the higher earner's adjusted net income is over £60,000. It's 1% of the benefit for every £200 over, so it takes the whole benefit at £80,000.
Should I still claim Child Benefit?
Usually yes. Below £80,000 you keep part of it, and claiming (even if you opt out of payments) gives National Insurance credits for a parent who isn't working and gets your child a National Insurance number automatically.