High Income Child Benefit Charge Calculator
Calculate HICBC clawback between £60K-£80K. See if you should still claim for NI credits.
Last updated: April 2026 · Source: GOV.UK — High Income Child Benefit Charge
Full Benefit
£2,251.60/yr
HICBC Clawback
£1,125.80
Net Benefit
£1,125.80/yr
Should you still claim?
Even at 100% clawback, claiming Child Benefit protects your NI record (state pension credits) if you're not working. The non-earning parent should always be the claimant.
You can opt out of payments while keeping the NI credit by ticking the box on the claim form.
Disclaimer
This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.
How It Works
The High Income Child Benefit Charge (HICBC) applies when either parent in a household has adjusted net income between £60,000 and £80,000. For every £200 of income above £60,000, 1% of the total Child Benefit received must be repaid through Self Assessment. At £80,000 or above, the charge equals 100% of the benefit.
Child Benefit for 2025/26 is £26.05 per week for the eldest child and £17.25 per week for each subsequent child. For a two-child family, total annual benefit is £2,251.60. The charge is calculated on the higher earner's income, not combined household income.
Parents can choose to keep receiving Child Benefit and pay the charge, or opt out of receiving payments. Claiming but opting out of payment protects the claimant's National Insurance record (which matters for State Pension). This calculator shows the net benefit after the charge is applied.
Example: Income £70,000, two children
- Annual Child Benefit: £26.05 + £17.25 = £43.30/week = £2,251.60/year
- Income above £60,000: £10,000
- Charge: £10,000 ÷ £200 = 50 × 1% = 50% clawback
- HICBC: £2,251.60 × 50% = £1,125.80
- Net benefit kept: £2,251.60 − £1,125.80 = £1,125.80
Frequently Asked Questions
- What does the High Income Child Benefit Charge Calculator do?
- Calculate HICBC clawback between £60K-£80K. See if you should still claim for NI credits. All calculations are performed in your browser using official UK rates and thresholds.
- Are benefit amounts accurate?
- This calculator uses the published 2025/26 benefit rates. However, actual entitlements depend on a full assessment by the Department for Work and Pensions (DWP) and may differ from estimates.
- How do I claim this benefit?
- You can apply for most benefits through GOV.UK or your local Jobcentre Plus. Some benefits require an online application; others may require a phone call or paper form.