08/10/2026
Earning over £60,000? Your Child Benefit has a catch. 👶💷
Child Benefit is currently £27.05 a week for your eldest child and £17.90 a week for each additional child. For two children, that is £2,337 a year.
But if either parent's adjusted net income is over £60,000, the High Income Child Benefit Charge starts to apply:
➡️ You pay back 1% of your Child Benefit for every £200 you earn over £60,000
➡️ Over £80,000, you pay back all of it
➡️ If both parents are over £60,000, the higher earner pays the charge
Example: earn £70,000 with two children and you pay back half, around £1,169 a year.
💡 THE FIX: reduce your adjusted net income
Personal pension contributions and Gift Aid donations reduce your adjusted net income. Bring it back to £60,000 and you keep your Child Benefit in full, while building your pension and getting tax relief at the same time.
⚠️ Two things people get wrong:
1️⃣ Not claiming at all. Even if you will pay it all back, register anyway. You can opt out of the payments, but staying registered protects your National Insurance credits and gets your child their National Insurance number automatically.
2️⃣ Forgetting to pay the charge. If it applies, you must pay it, either through Self Assessment or, in many cases, through PAYE. Missing it can lead to penalties.
Earning between £60,000 and £80,000 is where planning makes the biggest difference.
📅 Want to check yours? kpnaccounting.com
Tag someone who earns over £60k and has children. 👇
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