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Useful next calculations
Rates & sources2026/27
Child Benefit rates for 2026/27, plus the High Income Child Benefit Charge at 1% for every whole £200 of adjusted net income above £60,000. The calculation is an estimate using entered adjusted net income.
| Band / figure | Rate |
|---|---|
| Eldest or only child | £27.05/week |
| Other children | £17.90/week |
| HICBC starts above | £60,000 adjusted net income |
| Full HICBC at | £80,000 adjusted net income |
Source: HMRC — Child Benefit rates and allowances — source checked for 2026/27.
When to use this calculator
- When you need a fast estimate before making a bigger decision.
- When you want to compare a few scenarios using the same assumptions.
- When you need a clearer starting point before using a detailed quote or formal document.
- When you want to sanity-check a figure you have seen elsewhere.
A realistic UK planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Number of Eligible Children | 2 |
| Highest Earner's Adjusted Net Income (£) | £35,000 |
After entering these figures, review weekly benefit, annual benefit and hicbc charge together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Weekly Benefit
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Annual Benefit
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
HICBC Charge
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Net Annual
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Net Monthly
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator applies the 2026/27 Child Benefit rates: £27.05 a week for an eldest or only child and £17.90 for each additional child. It models the High Income Child Benefit Charge (HICBC) as 1% of Child Benefit for every whole £200 of adjusted net income above £60,000, capped at 100% at £80,000. The calculation uses 52 weeks; payment dates and amounts can differ slightly.
It cannot calculate adjusted net income for you. Pension contributions, Gift Aid and other taxable income can change the HICBC position, and eligibility rules for a child are separate from this calculation. Check your claim and tax position with HMRC before relying on the estimate.
Common mistakes
- !Using optimistic assumptions without testing a more cautious scenario.
- !Comparing outputs from different tools without checking that the inputs match.
- !Treating the result as a final quote instead of a planning estimate.
- !Rounding inputs too aggressively.
What to do next
- Try at least one more scenario so you can compare a realistic range.
- Use the related calculators below to cross-check the decision from another angle.
- Write down the key outputs from your best scenarios before you decide.
- If the result surprises you, change one input at a time to isolate the driver.
Go deeper — 1 guide reference this calculator
Frequently asked
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