Do I lose Child Benefit on £100,000?

Yes, on £100,000 you would lose 100% of your Child Benefit through HICBC. However, you should still claim for NI credits.

How much Child Benefit will I actually receive on £100,000?

With 2 children, the gross benefit is £2,251.60 per year. After HICBC clawback of £2,251.60, your net benefit is £0.00.

2025/26 Tax Year

Child Benefit on £100,000

HICBC claws back 100% of your benefit. Consider pension contributions to reduce your taxable income.

1 Child

£0/yr

-£1,355 HICBC

2 Children

£0/yr

-£2,252 HICBC

3 Children

£0/yr

-£3,149 HICBC

HICBC Clawback

100%

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: £100,000

£0

Net Annual Benefit

Monthly

£0.00

Weekly

£43.30

Gross Child Benefit£2,252/yr

HICBC Charge (100%)-£2,252

Net Benefit£0/yr

High Income Charge Applies

With income of £100,000, you'll pay back 100% of the benefit through Self Assessment.

💡 Save Child Benefit with Pension Contributions

Contributing £40,000 to your pension would bring your adjusted income below £60,000, eliminating the HICBC charge entirely. You'd also get £16,000 in tax relief on the contribution (at 40%). Use our pension calculator to see the full benefit.

How HICBC Works at £100,000

At £100,000, you're above the £80,000 cap, so 100% of your Child Benefit is clawed back through HICBC. You still get NI credits by claiming.

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.