Answers · UK 2025/26
How much is the High Income Child Benefit Charge on £63,000 income with three children?
On £63,000 adjusted net income in 2026/27 with three children, the High Income Child Benefit Charge is £490.23, which is 15% of the £3,268.20 combined annual Child Benefit for one first child and two additional children.
Full answer
The High Income Child Benefit Charge (HICBC) claws back 1% of the household's total Child Benefit for every £200 of adjusted net income above £60,000. On £63,000, the excess above the threshold is £3,000, and dividing by £200 gives 15 -- so the charge is 15% of the total Child Benefit received, exactly the same percentage that applies to a one-child or two-child family at the same income, since the percentage depends only on income, never on the number of children. With three children, annual Child Benefit in 2026/27 is £1,406.60 for the first child (£27.05 a week) plus £930.80 for each of the second and third children (£17.90 a week each), totalling £3,268.20. The charge is therefore £3,268.20 times 15%, which is £490.23. Comparing across family sizes at the same £63,000 income: a one-child family pays £210.99, a two-child family pays £350.61, and a three-child family pays £490.23 -- each additional child adding roughly £139.62 (930.80 times 15%) to the charge, since the percentage stays fixed at 15% while the underlying benefit pot grows. Larger families therefore have proportionally more to gain from keeping adjusted net income at or below £60,000 through pension contributions or Gift Aid, since the same percentage reduction in charge translates into a bigger cash saving the more children are in the household. Use the Child Benefit calculator to check your family's exact charge.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.