Free tool · 2026/27

Child Benefit charge calculator

Earning over £60,000 and claiming Child Benefit? Work out how much of it you may have to pay back through the High Income Child Benefit Charge, and how pension contributions could reduce it. We file high earner tax returns from £250, VAT included.

  • £60,000 to £80,000 taper
  • Child Benefit for any number of children
  • Shows the charge as a percentage
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  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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Estimate your Child Benefit charge

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Who it’s for

Who this calculator is for

Households where one partner earns over £60,000.

👨‍👩‍👧

Parents claiming Child Benefit

Check whether a charge applies.

📈

Recent pay rises

Crossed £60,000 this year.

💼

Directors and landlords

Dividends and rent count too.

🧾

Partners of claimants

The higher earner pays the charge.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
Request a quote

All prices include VAT.

What’s included

What the calculator works out

Using the current HICBC rules.

  • Adjusted net income above £60,000
  • 1% charge for every £200 over £60,000
  • Full clawback at £80,000
  • The charge in pounds
  • How much Child Benefit you keep
  • Whether a tax return is needed
How it works

A seamless, fully online process

Enter your income

Adjusted net income for the year.

Enter Child Benefit

The amount your household receives.

See the charge

How much is repaid.

Plan to reduce it

Pension and Gift Aid lower your income.

Rules used

How the charge works

Adjusted net incomeCharge
Up to £60,000None
£65,00025% of Child Benefit
£70,00050% of Child Benefit
£75,00075% of Child Benefit
£80,000 or more100% of Child Benefit

How is the High Income Child Benefit Charge calculated?

In short: if the higher earner in the household has adjusted net income over £60,000, they repay 1% of the Child Benefit for every £200 above that. At £80,000 the whole amount is repaid.

A worked example

A parent earns £70,000 and the family receives about £2,250 of Child Benefit for two children. Income is £10,000 over the threshold, so the charge is 50%, about £1,125.

Should I still claim?

Usually yes. Claiming protects National Insurance credits for a non-working parent. Pension contributions and Gift Aid reduce adjusted net income and can remove the charge. Our high earner tax returns service handles this, and our late tax returns team helps if you missed the charge in earlier years. More on our tax calculators page.

Official guidance: High Income Child Benefit Charge

Parent checking the High Income Child Benefit Charge
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FAQs

Frequently asked questions

What is the threshold for the Child Benefit charge?
£60,000 of adjusted net income, with full repayment at £80,000.
Who pays the charge?
The partner with the higher adjusted net income.
Can pension contributions reduce the charge?
Yes. Pension contributions and Gift Aid reduce adjusted net income.
Do I need a tax return?
Often yes, although employees can now pay through their tax code in some cases.
What if I did not pay the charge in past years?
You should tell HMRC. We can help put it right.
Can you file my return?
Yes, from £250, VAT included.

Let us handle your Child Benefit charge

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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★★★★★ Client reviewsWhat our clients say

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Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.

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