Family money calculator
Child Benefit and High Income Child Benefit Charge calculator
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying.
Last updated: .
Estimate your yearly Child Benefit and whether the High Income Child Benefit Charge would take some or all of it back.
Illustrative only, not financial or tax advice. Results depend entirely on the figures you enter. Figures filled in below are labelled “Example figure” — they aren’t recommendations.
Estimate Child Benefit and the charge
Your illustrative results
- Child Benefit for the year
- –
- Charge percentage
- –
- High Income Child Benefit Charge
- –
- Child Benefit you keep
- –
Eldest at £27.05 a week, others at £17.90.
1% for every £200 over £60,000.
Paid back through tax.
After the charge.
How this calculator works
The charge is based on the higher earner’s adjusted net income. We round the percentage down to whole steps of £200; check the final figure with GOV.UK’s Child Benefit tax calculator.
Even if the charge takes it all, claiming can still protect National Insurance credits. Results are rounded to the penny.
The formulas we use
Weekly Child Benefit: £27.05 + £17.90 × (children − 1); yearly: weekly × weeks.
Charge percentage: floor((income − £60,000) ÷ £200)%, from 0% to 100% (100% at £80,000 or more).
Charge: Child Benefit × charge percentage
Child Benefit and charge 2026/27
| Item | Amount |
|---|---|
| Eldest or only child | £27.05 a week |
| Each additional child | £17.90 a week |
| Charge starts | Adjusted net income over £60,000 |
| Charge rate | 1% of Child Benefit for every £200 over £60,000 |
| Full charge | £80,000 or more |
Source: GOV.UK, checked 4 October 2026.
FAQ
Should I still claim Child Benefit if I earn over £80,000?
You may want to: claiming can give National Insurance credits. You can claim and opt out of payments. This is general information, not advice.
Whose income counts?
The higher of you and your partner’s adjusted net income.
How can pension contributions affect the charge?
They reduce adjusted net income, which can lower the charge.
How is the charge paid?
Through PAYE or Self Assessment.
Does this calculator store my figures?
No.
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