FREE HICBC CALCULATOR

Child Benefit Tax Calculator
HICBC Estimate

Estimate the High Income Child Benefit Charge. The calculator works out your adjusted net income from your income, pension contributions and Gift Aid.

UNDERSTAND THE RESULT

How to use the Child Benefit Tax Calculator

Child Benefit Tax Calculator helps you model a UK tax scenario using the selected tax year and a live result panel. Estimate High Income Child Benefit Charge (HICBC) for 2025/26 and 2024/25 using adjusted net income and household child benefit received. This version is designed for 2025/26 and 2026/27 planning, so it is useful when you want a fast decision-support tool before reviewing payroll documents, Self Assessment entries, or adviser notes.

Start with Tax Year, Adjusted Net Income, Annual Child Benefit Received. In most cases you should use annual gross figures unless the label clearly asks for monthly amounts, percentages, or a plan selection. Choosing the right tax year matters because thresholds, allowances and repayment bands can move, and many users get better results by checking their payslip, P60, pension statement, or loan plan first rather than estimating from memory.

Use the result as a planning view rather than a final filing number. The output is strongest when you compare scenarios, such as changing pension contributions, testing a different income level, or checking whether a threshold like the £12,570 personal allowance or £50,270 higher-rate point changes the outcome. If the result affects a real filing, payroll setup, or household decision, validate it against official records.

2025/26 & 2026/27 RATES

Reference Figures for 2025/26 & 2026/27

Core figures users usually check before entering data on this page.

£60,000
Lower HICBC Threshold
£80,000
Full Clawback Threshold
1%
Charge Rate Per £200
ANI
Uses Adjusted Net Income
£1,406.60
2026/27 One Child Annual Benefit
£2,337.40
2026/27 Two Children Annual Benefit
How To Use This Calculator
  1. Enter annual amounts in GBP unless the field explicitly asks for a percentage.
  2. Use gross/pre-tax values for salary or income inputs, and only allowable values for deductions/expenses.
  3. Select the correct tax year and plan/region options to match your situation.
  4. Results update live as you type. Use Set Compare Baseline to compare scenarios.

Your details

Covers 2026/27 and 2025/26. If you and your partner both have adjusted net income above the threshold, the higher earner pays the charge, so enter the higher earner's figures.

Your total taxable income for the year, including savings interest and dividends. Use it before any pension contribution.
What you paid into your pension in the year. This lowers your adjusted net income.
What you gave through Gift Aid in the year. The calculator adds the 25% that charities claim.
The first child gets the higher weekly rate. Each other child gets the lower rate.
The weeks you got Child Benefit in the tax year. Use 52 for a full year unless your payment records show otherwise.
Pick the year that matches the tax period you want to model.
Share URL copies a link that contains the figures you have entered.
Comparison mode: off

Your results

Enter income and Child Benefit details to estimate the HICBC charge.

FREQUENTLY ASKED QUESTIONS

Child Benefit Tax Calculator Questions

Common questions about the calculation, the inputs, and how to use the result.

Child Benefit Tax Calculator Estimate High Income Child Benefit Charge (HICBC) for 2025/26 and 2024/25 using adjusted net income and household child benefit received.
Choose the tax year that matches the period you want to model, not necessarily the current calendar year. UK tax rules are applied by tax year, and figures such as the £12,570 personal allowance, the £50,270 higher-rate threshold, National Insurance bands, and student loan thresholds can change between years. If you are checking an old payslip or a future scenario, switch the year first and then enter the rest of your data.
For this page, the most important fields are Tax Year, Total Taxable Income, Pension Contributions, Gift Aid Donations, Children You Get Child Benefit For and Weeks of Child Benefit. Use annual gross amounts unless the label explicitly says monthly, weekly, or percentage. If the calculator asks for deductions, allowances, profits, or contributions, enter the taxable or allowable figure that actually applies to that tax year. The most reliable approach is to lift the numbers from payroll records, accounts, pension paperwork, or official loan statements instead of rounding them.
Use the result to compare scenarios, spot thresholds, and understand what changes the outcome most. Many users test two or three inputs in sequence, such as a different income level, a pension contribution, or an alternative plan selection, and then use the comparison tools to see the delta. That makes the calculator more valuable than a single static answer because it shows where the tax position starts to move.
No. This page is a planning calculator, not a substitute for HMRC systems, payroll software, or personal advice. It should be accurate enough for scenario work, but your final result can still change because of tax codes, pay frequency rules, relief claims, prior-year adjustments, benefits in kind, or household circumstances. If the number affects a filing or a major financial decision, verify it against official records before acting.
LEARN MORE

Family Tax Guides