Princess Charlotte's and Prince William's title increased significantly with the inauguration of Prince William as King.
Princess Charlotte is only six years old, but she already carries a royal title. She is Her Royal Highness Princess Charlotte of Cambridge, or Lottie to her parents anyway. We must also remember that at school she is called Charlotte Cambridge so as not to be distinguished from her classmates. This alone is a lot to keep track of, but now that Prince William is second in line to the throne, she has another major royal title.
When a new monarch is crowned, there are many title transitions. When Prince Charles, the first in line to the throne, ascended the throne, Prince William and Kate became the Duke and Duchess of Cornwall. And when Prince William eventually becomes King William, Kate Middleton becomes Queen Consort. As for their children George, Louis, and Charlotte, they will become Prince and Princess respectively. According to the [Mirror], Charlotte, as the king's eldest daughter, will also receive the title of Princess Royal. The title of Princess Royal has existed since the 1600s, when it was instituted in imitation of Madame Royale of the French monarchy. Currently, the title is held by Princess Anne, daughter of Queen Elizabeth II and Philip and sister of Prince Charles. Princess Royal is a life title, so if William becomes king before Princess Anne dies, Charlotte will have to wait for it.
The magazine also notes that descendants of monarchs do not usually use their last names (very Madonna-like), but can take "Mountbatten-Windsor" if differentiation is needed. This is the surname that Harry and Meghan use for Archie and Lilibet, who do not have titles of their own. The use of George Cambridge and Charlotte Cambridge in the school is actually a nod to the title Prince William used as his last name when he was in the military. Of course, it doesn't hurt that it is easier for a six-year-old to spell than Mountbatten-Windsor.
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