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BENEFITS

Child Benefit Calculator UK

Estimate Child Benefit for the 2026/27 tax year and see whether the High Income Child Benefit Charge could reduce some or all of it based on the higher earner’s adjusted net income.

Estimate your Child Benefit

The first child uses the higher weekly rate. All additional children use the lower weekly rate.

Use 52 for a full tax year, or a lower figure if the claim only covers part of the year.

Adult 1

Adult 2

This uses a practical adjusted net income estimate: income entered less pension tax relief and Gift Aid entered. The charge is based on the higher adjusted net income between partners.

Your estimate

Annual Child Benefit £2,337.40
Estimated HICBC charge £0.00
Net amount kept £2,337.40
Higher adjusted net income £45,000.00

Benefit breakdown

Weekly Child Benefit £44.95
4-weekly amount £179.80
Monthly equivalent £194.78
Annual amount £2,337.40
Weeks claimed 52.0
Children included 2

High Income Child Benefit Charge

Threshold used £60,000.00
Full clawback at £80,000.00
Charge percentage 0.00%
Estimated tax charge £0.00
Net benefit after charge £2,337.40
Likely taxpayer Adult 1

Adjusted net income estimate by adult

Adult Income entered Pension relief Gift Aid Estimated adjusted net income
Adult 1 £45,000.00 £0.00 £0.00 £45,000.00
Adult 2 £0.00 £0.00 £0.00 £0.00

Notes

  • Adjusted net income here is estimated as income before Personal Allowances, less pension tax relief and Gift Aid entered in the form.
  • High Income Child Benefit Charge is based on the higher adjusted net income between partners, not household income added together.
  • This is an estimate only. Real outcomes can differ if the claim only ran for part of the year, income changed during the year, or adjusted net income includes other taxable amounts not entered here.

Child Benefit Calculator UK

This Child Benefit calculator helps you estimate how much Child Benefit could be worth for the 2026/27 tax year, and how much of it may be lost to the High Income Child Benefit Charge (HICBC).

It is designed to give a practical estimate for families who want to understand the headline value of Child Benefit, the likely HICBC charge, and the net amount left after that charge.

What this calculator shows

  • Estimated weekly Child Benefit based on your number of children
  • 4-weekly, monthly-equivalent and annual values
  • An estimate of each adult’s adjusted net income based on the figures entered
  • The higher adjusted net income used for the HICBC test
  • The estimated HICBC percentage and annual tax charge
  • The net Child Benefit left after the charge

How the High Income Child Benefit Charge works

For tax years from 2024/25 onwards, the HICBC starts when the higher earner’s adjusted net income goes above £60,000. The charge gradually increases until it reaches a full clawback at £80,000.

In simple terms, the charge rises as the higher earner’s adjusted net income rises above the threshold. This means a household can still receive Child Benefit, but some or all of it may later be paid back through tax.

Adjusted net income

The key income test uses adjusted net income, not basic salary alone and not combined household income. Adjusted net income can include salary, bonuses, taxable benefits, savings interest and dividends, reduced by certain tax reliefs such as pension contributions and Gift Aid.

This calculator uses a practical estimate by taking the income you enter and subtracting the pension tax relief and Gift Aid figures you enter. That is helpful for planning, but your exact HMRC position may differ.

Important note

This calculator provides an estimate only. Actual Child Benefit and HICBC outcomes can differ depending on claim dates, eligibility across the year, changes in family circumstances, income changes, taxable benefits, and how adjusted net income is calculated for the tax year.

This calculator provides general estimates only and does not constitute financial, tax, legal, welfare, or HMRC advice.

Child Benefit Calculator – FAQs

Does this calculator include the High Income Child Benefit Charge?

Yes. It estimates the HICBC using the higher adjusted net income entered in the form.

Is the charge based on household income added together?

No. The charge is based on the higher adjusted net income between partners, not both incomes added together.

Why does the calculator ask for pension relief and Gift Aid?

Because adjusted net income can be reduced by certain reliefs. Adding these helps produce a better planning estimate.

Can I still claim Child Benefit if income is high?

In many cases yes, but some or all of the amount may need to be paid back through the HICBC depending on the higher earner’s adjusted net income.

Is this exact enough for Self Assessment?

No. It is a planning tool. Use your final tax-year figures and HMRC guidance or professional advice if you need exact reporting.