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Higher income child benefit charge confusion

3 replies

Worriedmum40284 · 01/07/2026 11:46

I'm finding this really confusing and wonder if someone with a better Maths brain could help!

My March pay slip puts my salary for the 2025-26 financial year at £61,759. Under the year to date section of my March 2026 payslip (shown in image) it says my pension was £5,225.36. Deducting that from my salary takes me under £60k so I assume nothing to pay back?

Have just called HMRC however and they have said my adjusted net income is £56,249 (so the taxable pay shown on image). That also means I don't have to pay back but I'm still not really clear on the figures I should actually be using to work this out and just want to make sure I'm 100% ok not to pay back so I don't get caught out.

Higher income child benefit charge confusion
OP posts:
PatriciaHolm · 01/07/2026 11:53

Your full pay less your pension contributions is your taxable pay; you and HMRC are referring to the same number, the £56,249. That is the amount used for CB calculations. So no you have nothing to pay back.

Worriedmum40284 · 01/07/2026 12:13

Thank you - I got a slightly different figure when I deducted my pension from full pay (£56,534) so trying to alight the figures in my head. Appreciate they're not much out, just trying to work out the exact application of the deductions. Thanks for confirming nothing to pay back - that's really helpful.

OP posts:
Jopo12 · 01/07/2026 22:01

Worriedmum40284 · 01/07/2026 11:46

I'm finding this really confusing and wonder if someone with a better Maths brain could help!

My March pay slip puts my salary for the 2025-26 financial year at £61,759. Under the year to date section of my March 2026 payslip (shown in image) it says my pension was £5,225.36. Deducting that from my salary takes me under £60k so I assume nothing to pay back?

Have just called HMRC however and they have said my adjusted net income is £56,249 (so the taxable pay shown on image). That also means I don't have to pay back but I'm still not really clear on the figures I should actually be using to work this out and just want to make sure I'm 100% ok not to pay back so I don't get caught out.

Where do you get the figure of £61,759 from?

The picture you've uploaded shows your pay is £61,474.96.
You paid pension of £5,225.36
Your pay less your pension contributions leaves a taxable pay of £56,249.60

If you have different numbers from what's shown in the picture then could you share them so we know what numbers you're looking at?

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