Question 1

How much is Child Benefit in 2026/27?

Accepted Answer

For 2026/27, Child Benefit is £26.05 per week (£1,354.60/year) for the eldest or only child, and £17.25 per week (£897/year) for each additional child. These rates usually increase each April. Child Benefit is paid every four weeks directly into a bank account.

Question 2

What is the High Income Child Benefit Charge?

Accepted Answer

The High Income Child Benefit Charge (HICBC) applies when either partner in a household earns over £60,000 per year (the threshold was increased from £50,000 in April 2024). The charge is 1% of the Child Benefit received for every complete £200 of income above £60,000, so the benefit is fully clawed back at £80,000. The charge is collected through Self Assessment.

Question 3

Should I still claim Child Benefit if I earn over £60,000?

Accepted Answer

Yes, it is usually worth claiming even if you will have to pay some or all of it back. Claiming builds up National Insurance credits (important for State Pension), registers the child for a National Insurance number, and makes it easier to claim other benefits. If the charge would exceed the benefit, you can elect not to receive payments while still keeping the non-financial entitlements.

Question 4

What income is used for the HICBC?

Accepted Answer

The HICBC is based on each partner's individual adjusted net income, not household income. Adjusted net income is total taxable income minus pension contributions (relief at source pensions) and Gift Aid donations. The charge applies to whichever partner has the higher income if that income exceeds £60,000, even if both partners earn less than that individually.

Question 5

Who counts as a child for Child Benefit?

Accepted Answer

You can claim Child Benefit for children under 16, or under 20 if they are in approved education or training. Approved education includes A-levels, T-levels, Scottish Highers, NVQs up to level 3, and similar. It does not include higher education (university). You must be responsible for the child, meaning you live with them or you are the main person paying for their food, clothes, and pocket money.

Question 6

Can pension contributions reduce the HICBC?

Accepted Answer

Yes. Making pension contributions reduces your adjusted net income, which is what the HICBC is based on. For example, if your income is £70,000 but you make £10,000 of pension contributions, your adjusted net income falls to £60,000 and you pay no HICBC at all. This can be an effective strategy to bring income below the £60,000 threshold or reduce the charge.

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