Answers · UK 2025/26

How much is the High Income Child Benefit Charge on £63,000 income with two children?

On £63,000 adjusted net income in 2026/27 with two children, the High Income Child Benefit Charge is £350.61, which is 15% of the £2,337.40 combined annual Child Benefit for a first and additional child.

Last updated: 10 July 2026Last reviewed: 10 July 2026How we verify

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. With two children, annual Child Benefit in 2026/27 is £1,406.60 for the first child (£27.05 a week) plus £930.80 for the second child (£17.90 a week), totalling £2,337.40. The charge is therefore £2,337.40 times 15%, which is £350.61. Crucially, the charge percentage itself does not depend on the number of children -- it is always calculated purely from the income excess -- but because each additional child adds more Child Benefit to the pot being clawed back, the cash amount of the charge is proportionally larger for larger families at the same income and same percentage. A one-child family at £63,000 pays £210.99, while a two-child family at exactly the same income pays £350.61 -- 66% more in cash terms, purely because there is more benefit to claw back, not because the rate is any higher. This is an important distinction for families weighing whether a small pension contribution to eliminate the charge is worthwhile: the more children in the household, the more valuable that pension contribution becomes in Child-Benefit-preserved terms. Use the Child Benefit calculator to see your household's exact figures.