UK Child Benefit High Income Tax Charge (HICBC) Calculator
Calculate your family's annual Child Benefit entitlement and test the High Income Child Benefit Charge (HICBC) under the updated £60,000 to £80,000 thresholds. Model how salary sacrifice pension contributions restore 100% of your benefit.
Family & Household Income
Rates: £25.60/wk for eldest child + £16.95/wk for each subsequent child.
Directly reduces your Adjusted Net Income (ANI) to reduce or eliminate clawback!
Pension Tax-Shield Optimizer
By making an additional pension contribution before 5 April, you can eliminate your High Income Child Benefit Charge entirely:
Even if your income is well above £80,000 and 100% of the benefit is clawed back, the non-working or lower-earning partner should still submit the Child Benefit claim form and tick the box to opt out of cash payments. This protects their qualifying National Insurance credits for the UK State Pension until your youngest child reaches age 12!
Child Benefit in Pocket
Frequently Asked Questions
Clear guidance on the High Income Child Benefit Charge and HMRC rules.
Whose income is used to calculate the Child Benefit tax charge? ▼
HMRC assesses the charge strictly based on the HIGHER earner's individual Adjusted Net Income (ANI), regardless of who receives the payments. For example, if one partner earns £72,000 and the other earns £20,000, the charge is calculated on the £72,000 income.
How do I pay the High Income Child Benefit Charge? ▼
If you or your partner have an adjusted net income over £60,000 and claim Child Benefit, the higher earner must register for an HMRC Self-Assessment tax return and pay the charge by 31 January following the end of the tax year.
Is my data private when calculating my Child Benefit here? ▼
Yes, 100%. FreeCalcSuite operates entirely client-side inside your browser's local memory. No family income, salary figures, or child counts are ever transmitted across the internet to any server.