Child Benefit on a £65,000 Salary

On a £65,000 salary in the 2025/26 tax year, Child Benefit for 2 children is £2,251.60 per year. The HICBC charge is £562.90, leaving net benefit of £1,688.70 per year (£140.73 per month).

On a £65,000 salary in the 2025/26 tax year, the High Income Child Benefit Charge claws back 25% of your Child Benefit. For two children, you receive £2,251.60 but pay back £562.90 as HICBC, keeping £1,688.70 per year (75% of the full amount). That works out to £140.73 per month.

HICBC breakdown at £65,000

The table below shows your Child Benefit, HICBC charge, and net benefit at £65,000 for different numbers of children.

Children	Annual benefit	HICBC charge	Net benefit	Monthly net
1	£1,354.60	£338.65	£1,015.95	£84.66
2	£2,251.60	£562.90	£1,688.70	£140.73
3	£3,148.60	£787.15	£2,361.45	£196.79

At £65,000, the HICBC claws back 25.0% of your benefit. For every £200 of income above £60,000, you lose 1% of your Child Benefit.

How to reduce the HICBC on £65,000

The most effective way to eliminate the HICBC is salary sacrifice into a workplace pension. On a £65,000 salary, sacrificing £5,000 into your pension brings your adjusted net income to £60,000 — below the HICBC threshold.

This means you keep the full £2,251.60 of Child Benefit for 2 children, while also saving income tax and National Insurance on the sacrificed amount. Use the salary sacrifice calculator to see the full impact. See also your full tax breakdown on £65,000.

Other ways to reduce your adjusted net income for HICBC purposes:

• Personal pension contributions — relief at source reduces adjusted net income
• Gift Aid donations — grossed up amount is deducted from income
• Trading losses — can be set against employment income
• Employment expenses — allowable expenses reduce adjusted net income

Compare Child Benefit at nearby salaries

• £60,000: No HICBC — keep full £2,251.60 (2 children)
• £63,000: HICBC claws back 15% — keep £1,913.86 (2 children)
• £67,000: HICBC claws back 35% — keep £1,463.54 (2 children)
• £70,000: HICBC claws back 50% — keep £1,125.80 (2 children)

Related calculations for £65,000

• Salary breakdown for £65,000 — see your full take-home pay, tax bands, and NI
• Pension tax relief calculator — see how pension contributions reduce your tax bill
• Salary sacrifice calculator — reduce your income below the HICBC threshold
• National Insurance on £65,000 — employee and employer NI breakdown

Frequently asked questions

How much Child Benefit do I keep on a £65,000 salary?

On a £65,000 salary with 2 children, HICBC claws back 25% of your £2,251.60 benefit. You keep £1,688.70 per year (£140.73 per month).

What is the HICBC threshold in 2025/26?

The HICBC threshold is £60,000 of adjusted net income. The charge tapers from £60,000 to £80,000, with full clawback at £80,000. This threshold was raised from £50,000 in April 2024.

Should I still claim Child Benefit on £65,000?

Yes. You still receive a net benefit of £1,688.70 for 2 children. Plus, claiming protects your NI record for State Pension purposes.

How much do I need to salary sacrifice to avoid HICBC on £65,000?

You need to sacrifice £5,000 into your pension to bring your adjusted net income to £60,000. This eliminates the HICBC entirely, and you also save income tax and National Insurance on the sacrificed amount. Use the salary sacrifice calculator for a full breakdown.