Child benefit calculator — and the £60,000–£80,000 clawback

What you claim for your children, what the High Income Child Benefit Charge takes back as the higher partner's income crosses £60,000, and the pension contribution that would restore the lot. The same functions the Hundred Summers engine applies in every projected year. Your figures never leave your browser.

The one-earner trap

The charge looks only at the higher partner's adjusted net income: a household with two £59,999 earners keeps every penny while a single £81,000 earner loses it all — long criticised, still the law. Inside the £60,000–£80,000 taper, losing 1% of the benefit per £200 adds a hidden marginal rate: for a three-child family it's roughly 12 extra percentage points on top of 40% tax and 2% NI.

The fix is the same lever as every other taper: pension contributions reduce adjusted net income pound for pound, so a contribution back to £60,000 earns 40%+ relief and restores the benefit. And whatever the income: claim (at zero rate if need be) — the claim itself earns NI credits toward a non-working parent's State Pension record. The full Hundred Summers plan applies the charge in every year it bites.