Can Child Benefit be backdated?
Yes. Child Benefit can usually be backdated for up to 3 months from the date you make your claim.
That means it is worth claiming as soon as you can after a child is born, adopted, or comes to live with you.
Because Child Benefit can usually only be backdated by up to 3 months, it is worth claiming as soon as you are eligible. You can read more in Pie’s guide to backdated Child Benefit claims.
What happens if you earn over £60,000?
You can still claim Child Benefit if you or your partner earns over £60,000, but you may have to pay some or all of it back through the High Income Child Benefit Charge.
For the current rules:
- if you or your partner has adjusted net income over £60,000, some Child Benefit may need to be repaid;
- if you or your partner has adjusted net income of £80,000 or more, the full amount may need to be repaid.
The charge is based on individual income, not household income. If both partners earn over the threshold, the person with the higher income is responsible for paying the charge.
Some families still choose to claim Child Benefit even if they opt out of receiving payments, because claiming can help protect National Insurance credits and ensure a child receives their National Insurance number automatically before they turn 16.
The High Income Child Benefit Charge can apply if you or your partner has adjusted net income over £60,000. The charge gradually increases as income rises and can mean the full amount of Child Benefit has to be repaid once income reaches £80,000 or more.
For a fuller explanation, read Pie’s guide to the Child Benefit tax charge.
It is also important to understand adjusted net income, because this is the figure HMRC uses when working out whether the charge applies.
Some higher earners may also need to file a tax return even if their income is taxed through PAYE. Pie explains more in its guide on whether high earners need to file a Self Assessment return.
What is Guardian’s Allowance in 2026?
Guardian’s Allowance is separate from Child Benefit. It is for people bringing up a child whose parents have died, although in some cases it may be available where there is one surviving parent.
For 2026/27, Guardian’s Allowance is £22.95 per week. It is paid on top of Child Benefit and is tax-free.
That works out as: