Do I lose Child Benefit on £74,000?

Partially. On £74,000 you lose 70% through HICBC. For 2 children, that's £1,576.12 clawed back.

How much Child Benefit will I actually receive on £74,000?

With 2 children, the gross benefit is £2,251.60 per year. After HICBC clawback of £1,576.12, your net benefit is £675.48.

2025/26 Tax Year

Child Benefit on £74,000

You lose 70% of Child Benefit through HICBC at this income level.

1 Child

£406/yr

-£948 HICBC

2 Children

£675/yr

-£1,576 HICBC

3 Children

£945/yr

-£2,204 HICBC

HICBC Clawback

70%

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: £74,000

£675

Net Annual Benefit

Monthly

£56.29

Weekly

£43.30

Gross Child Benefit£2,252/yr

HICBC Charge (70%)-£1,576

Net Benefit£675/yr

High Income Charge Applies

With income of £74,000, you'll pay back 70% of the benefit through Self Assessment.

Tip: Reduce via Pension

Contributing £14,000 to pension would reduce your income below the threshold, saving the HICBC charge plus £5,600 in tax.

💡 Save Child Benefit with Pension Contributions

Contributing £14,000 to your pension would bring your adjusted income below £60,000, eliminating the HICBC charge entirely. You'd also get £5,600 in tax relief on the contribution (at 40%). Use our pension calculator to see the full benefit.

How HICBC Works at £74,000

At £74,000, which is £14,000 over £60,000, HICBC claws back 1% for every £200 over the threshold = 70% 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.