Child Benefit on a £75,000 Salary

On a £75,000 salary in the 2026/27 tax year, Child Benefit for 2 children is £2,337.40 per year. The HICBC charge is £1,753.05, leaving net benefit of £584.35 per year (£48.70 per month).

On a £75,000 salary in the 2026/27 tax year, the High Income Child Benefit Charge claws back 75% of your Child Benefit. For two children, you receive £2,337.40 but pay back £1,753.05 as HICBC, keeping £584.35 per year (25% of the full amount). That works out to £48.70 per month.

HICBC breakdown at £75,000

The table below shows your Child Benefit, HICBC charge, and net benefit at £75,000 for different numbers of children.

Children	Annual benefit	HICBC charge	Net benefit	Monthly net
1	£1,406.60	£1,054.95	£351.65	£29.30
2	£2,337.40	£1,753.05	£584.35	£48.70
3	£3,268.20	£2,451.15	£817.05	£68.09

At £75,000, the HICBC claws back 75.0% of your benefit. For every £200 of income above £60,000, you lose 1% of your Child Benefit.

How to reduce the HICBC on £75,000

The most effective way to eliminate the HICBC is salary sacrifice into a workplace pension. On a £75,000 salary, sacrificing £15,000 into your pension brings your adjusted net income to £60,000 — below the HICBC threshold.

This means you keep the full £2,337.40 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 £75,000.

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

• £70,000: HICBC claws back 50% — keep £1,168.70 (2 children)
• £73,000: HICBC claws back 65% — keep £818.09 (2 children)
• £77,000: HICBC claws back 85% — keep £350.61 (2 children)
• £80,000: HICBC claws back 100% — keep £0.00 (2 children)

Related calculations for £75,000

• Salary breakdown for £75,000 — 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 £75,000 — employee and employer NI breakdown

Frequently asked questions

How much Child Benefit do I keep on a £75,000 salary?

On a £75,000 salary with 2 children, HICBC claws back 75% of your £2,337.40 benefit. You keep £584.35 per year (£48.70 per month).

What is the HICBC threshold in 2026/27?

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 £75,000?

Yes. You still receive a net benefit of £584.35 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 £75,000?

You need to sacrifice £15,000 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.