The Child Benefit charge is worked out on each partner's income separately, never your combined total — so two £55k earners keep the lot while a single £110k earner loses all of it. This shows your household's real position and, because only the higher earner's pension can shrink the charge, exactly who should sacrifice and how much.
Salary sacrifice assumed. The charge is assessed on the higher earner's adjusted net income; couples are treated as each having their own income and allowances. Pension money is normally locked until age 55 (57 from 2028). This is guidance, not financial advice.
These results are estimates for general information only and are not financial advice. Check every figure yourself and seek appropriate advice from a qualified professional before making any decision. Read the full disclaimer.