Calculating support for spouses and adult interdependent partners is complex, and not every spouse/partner is eligible for spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
Unlike child support, there is no fixed rule for calculating spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
On this page, “spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support.” refers to both spousal and partner support, and “partner” refers to an adult interdependent partner.
Need to know
- There is no formula to calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. like there is for child support.
- The amount of support that one spouse/partner pays depends on the circumstances of the relationship.
- Spouses/partners must share their finances with each other to accurately calculate or recalculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
- The Spousal Support Advisory Guidelines (SSAG) are not law, but lawyers and courts use them to help calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
- The SSAG have limits and exceptions, so they do not work in every situation.
Get started
Learn the basics about spousal and partner support rules before you calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
Then, there are a few other things you should know.
Calculate child support
If you have dependent childrendependent children Children under the age of 18 years or children 18 years or older who are not financially independent. An adult child may not be financially independent because they are studying full-time or have injuries, disabilities or medical conditions., the amount of spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. changes based on the child support amounts. Calculate child support first. You will need to agree on the amount of child support or have a court decide before you can correctly calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
Figure out gross income
Before you can calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support., you need to know each spouse/partner’s gross incomegross income Income before taxes are deducted..
If a spouse/partner is an employee, their gross incomegross income Income before taxes are deducted. is usually the amount in line 150 of their T1 tax form or Notice of Assessment.
A spouse/partner cannot use the line 150 amount if they receive money through:
- being a business ownerbusiness owner A person who is self-employed, is a partner in a partnership, or owns 1% or more of a corporation., including self-employment, being a partner in a business partnership, controlling a corporation, or having more than a 1 % interest in a corporation
- employment insurance
- disability benefits
- pension
- social benefits
- other ways not included in the line 150 amount
If a spouse/partner is a business ownerbusiness owner A person who is self-employed, is a partner in a partnership, or owns 1% or more of a corporation., they must share more detailed financial information to prove their income. This is known as Cunningham Disclosure. Download a template for sharing your Cunningham Disclosure.
If a spouse/partner is not sharing their financial information, the court will estimate their gross incomegross income Income before taxes are deducted.. This is known as imputing income.
If a court imputes gross income
The court can imputeimpute To assign a value to something. For example, the court can impute an income to a person who is not sharing their financial information. In doing so, the court estimates the person’s income for the purpose of calculating support. an income to a person if they:
- are intentionally underemployed or unemployed
- do not pay taxes on their income
- live in a country with tax rates that are a lot lower than those in Canada
- have diverted income elsewhere
- are not properly using their property to earn income
- are not sharing their financial information
- unreasonably deduct expenses from income
- earn a lot of income from sources that are taxed at a lower rate than employment earnings, such as dividends or capital gains
- receive trust income or other benefits from a trust
If you are asking the court to imputeimpute To assign a value to something. For example, the court can impute an income to a person who is not sharing their financial information. In doing so, the court estimates the person’s income for the purpose of calculating support. income for the other spouse/partner, share with the court as much information as you can about the person’s work history, education and training, income and living habits. For example, you can look up the average salary for the person’s position on the ALIS website and share that information with the court.
If the court imputed income to you, this amount may be higher or lower than your actual income. You cannot ask the court to recalculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. simply by sharing your financial information. If the court imputed your income, you usually can only recalculate child support if your circumstances have changed.
Calculate spousal/partner support using the SSAG
You and the other spouse/partner can agree on the amount of spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support.. Or you can get help from a legal professional without going to court or ask the court to decide on the amount of spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
The Spousal Support Advisory Guidelines (SSAG) set out a range of support payment amounts and for how long a payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. owes support for a variety of situations. Even though the SSAG refers to spousal support only, adult interdependent partners can also use them to calculate partner support.
The SSAG are not law, which means they are not strictly used like the Federal Child Support Guidelines are for calculating child support. However, lawyers and courts use them as a starting point for calculating spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support.. The spouses/partners or the court may choose a different amount of support that better fits the situation.
You can use a free online calculator, such as MySupportCalculator and DivorcePath, to help you calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. according to the SSAG. But these tools are not always correct, so it’s a good idea to ask a lawyer to doublecheck the numbers.
There are also limits and exceptions to using the SSAG, including:
- If a payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent.’s gross incomegross income Income before taxes are deducted. is over $350,000 or less than $20,000, the spouses/partners or the court can decide on a support amount that is fair.
- If a payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent.’s gross incomegross income Income before taxes are deducted. is more than $20,000 but less than $30,000, the spouses/partners or the court can decide the payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. does not need to pay spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. or can pay an amount that is less than what the guidelines say.
If you want to learn more about the exceptions and limits of the SSAG, read Chapter 12 of the SSAG or get legal support.
Choose the scenario that applies to you to calculate spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. using the SSAG.
The SSAG formula for calculating spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. if there are no children or if the children are independent adults gives you a low-end amount and a high-end amount.
Calculate payments
- Calculate the low-end amount of support:
- Find the difference between the gross incomes of each spouse/partner by subtracting the lower gross incomegross income Income before taxes are deducted. from the higher gross incomegross income Income before taxes are deducted..
- Multiply the difference by 0.015.
- Multiply that number by the number of years you lived together.
- The result is the low-end amount of support.
- Calculate the high-end amount of support:
- Find the difference between the gross incomes of each spouse/partner by subtracting the lower gross incomegross income Income before taxes are deducted. from the higher gross incomegross income Income before taxes are deducted..
- Multiply the difference by 0.02.
- Multiply that number by the number of years you lived together.
- The result is the high-end amount of support.
- Decide what amount in between these two numbers is most appropriate for your situation. The payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. is the spouse/partner with the higher gross incomegross income Income before taxes are deducted.. The recipientrecipient A person who receives money from another person. For example, a person who receives child support from the other parent. is the spouse/partner with the lower gross incomegross income Income before taxes are deducted..
- The highest amount of support the payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. should pay is the amount where both spouses/partners have equal net incomes when including the support payment.
For more details, see Chapter 7 of the SSAG.
Example
The payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. has a gross incomegross income Income before taxes are deducted. of $100,000 per year. The recipientrecipient A person who receives money from another person. For example, a person who receives child support from the other parent. has a gross incomegross income Income before taxes are deducted. of $40,000 per year. They lived together for 20 years and have 2 independent adult children. The difference between their incomes is $60,000 ($100,000 – $40,000).
Using the formula above, the low-end amount is $18,000 per year ($60,000 x 0.015 x 20 years) or $1500 per month. The high-end amount is $24,000 per year ($60,000 x 0.02 x 20 years) or $2000 per month.
The payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. and recipientrecipient A person who receives money from another person. For example, a person who receives child support from the other parent. can agree on an amount of support between $1500 and $2000 per month, or they can ask the court to decide.
Calculating spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. is more complicated when one person is also paying child support.
Calculate payments
Use one of the free online calculators listed above or contact a legal professional. Below is a quick overview of how the formula works.
- The formula is based on the parenting arrangement.
- The net disposable income is calculated for each spouse/partner after paying taxes, deductions and any costs for a child.
- The amount of spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. the payorpayor A person who pays money to another person. For example, a person who pays child support to the other parent. should pay is calculated to ensure the recipientrecipient A person who receives money from another person. For example, a person who receives child support from the other parent. has between 40% and 46% of the total of the two spouses/partners’ net disposable incomes.
Child support takes priority over spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support.. It is possible to reduce the amount of spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support. while the child is dependent on their parents and then increase the amount once the children are independent adults.
For more details, see Chapter 8 of the SSAG.
Potential issues
You and the other person do not agree on whether one of you should receive spousal/partner supportspousal/partner support On this website, referring to both spousal support and partner support..
Learn more about the rules about spousal and partner support as well as how to resolve disputes between you and the other person.
You are having trouble calculating gross incomegross income Income before taxes are deducted..
If one or both spouses/partners do not receive employment income, calculating gross incomegross income Income before taxes are deducted. can be challenging. A good first step is learning about what financial information you and the other person must share with each other. You may need a lawyer or accountant to help you calculate gross incomegross income Income before taxes are deducted..
One person is not sharing financial information.
Learn more about what financial information you and the other person need to share with each other and how you can get the person to share financial information if they are not.