Understanding the High Income Child Benefit Charge: A Complete Guide for UK Parents

You do not lose 100% of your benefit the moment you pass the £60,000 mark. Instead, the charge operates on a gradual sliding scale:

• Under £60,000: You keep 100% of your Child Benefit.

• Between £60,000 and £80,000: You pay back 1% of the total benefit received for every £200 earned above £60,000. (For example, if your income is £70,000, you are £10,000 over the threshold, meaning you repay exactly 50% of your Child Benefit).

• Over £80,000: The charge equals 100% of the benefit received, meaning you repay the entire amount.