Do I lose Child Benefit on £64,000?

Partially. On £64,000 you lose 20% through HICBC. For 2 children, that's £450.32 clawed back.

How much Child Benefit will I actually receive on £64,000?

With 2 children, the gross benefit is £2,251.60 per year. After HICBC clawback of £450.32, your net benefit is £1,801.28.

2025/26 Tax Year

Child Benefit on £64,000

You lose 20% of Child Benefit through HICBC at this income level.

1 Child

£1,084/yr

-£271 HICBC

2 Children

£1,801/yr

-£450 HICBC

3 Children

£2,519/yr

-£630 HICBC

HICBC Clawback

20%

Your Family Details

Calculate your Child Benefit for 2025/26

Number of Children

Your Annual Salary

Partner's Salary (if applicable)

HICBC is based on the higher earner's income

Your Child Benefit

2 children • Higher earner: £64,000

£1,801

Net Annual Benefit

Monthly

£150.11

Weekly

£43.30

Gross Child Benefit£2,252/yr

HICBC Charge (20%)-£450

Net Benefit£1,801/yr

High Income Charge Applies

With income of £64,000, you'll pay back 20% of the benefit through Self Assessment.

Tip: Reduce via Pension

Contributing £4,000 to pension would reduce your income below the threshold, saving the HICBC charge plus £1,600 in tax.

💡 Save Child Benefit with Pension Contributions

Contributing £4,000 to your pension would bring your adjusted income below £60,000, eliminating the HICBC charge entirely. You'd also get £1,600 in tax relief on the contribution (at 40%). Use our pension calculator to see the full benefit.

How HICBC Works at £64,000

At £64,000, which is £4,000 over £60,000, HICBC claws back 1% for every £200 over the threshold = 20% clawback.

Still Claim Even at High Income

Even if HICBC claws back 100% of your benefit, you should still claim Child Benefit. The claiming parent receives National Insurance credits towards their State Pension, and your child automatically gets their NI number at 16.