年間児童手当受給額と、6万〜8万ポンドに緩和された所得制限による返還税額（HICBC）を算出。
HICBC applies if either partner earns over £60,000.
Pension contributions directly reduce your income for HICBC.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual HMRC tax bands, National Insurance contributions, Bank of England base rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or official HMRC documentation prior to executing financial commitments.