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Common-Law Support Calculator Canada 2026 | Estimate Spousal Support

Updated

Common-Law Support Calculator

$
$
Income Difference$60,000
Monthly Support (Low)$375
Monthly Support (Mid)$500
Monthly Support (High)$625
Duration Range2.5 - 5 years

Estimates based on Spousal Support Advisory Guidelines (SSAG). Actual amounts vary based on circumstances. Consult a family lawyer.

Common-Law Requirements by Province

ProvinceCohabitation RequiredNotes
British Columbia2 yearsOr any length with child
Alberta3 years“Adult Interdependent Partner”
Saskatchewan2 yearsOr any length with child
Manitoba3 yearsOr any length with child
Ontario3 yearsOr any length with child
Nova Scotia2 yearsDomestic partner registration
New Brunswick3 yearsOr any length with child
PEI3 yearsLimited recognition
Newfoundland2 years
QuebecNot recognizedNo rights without cohabitation agreement

Important: Quebec does not provide spousal support rights to common-law partners. Consider a cohabitation agreement.

Spousal Support Advisory Guidelines (SSAG)

The SSAG provides formulas for calculating support. There are two formulas:

Without Children Formula

ComponentFormula
Amount1.5% - 2% of income difference × years together
Duration0.5 - 1 year per year of relationship
MaximumEqualization of incomes

With Children Formula

ComponentFormula
AmountHigher amounts based on child custody
DurationOften until youngest child finishes school
MaximumVaries based on time spent with children

Example Support Calculations

Example 1: 5-Year Relationship, No Children

FactorValue
Payor income$100,000
Recipient income$40,000
Income difference$60,000
Years together5
Monthly support (low)$375
Monthly support (high)$500
Duration2.5 - 5 years

Example 2: 10-Year Relationship, With Children

FactorValue
Payor income$120,000
Recipient income$35,000
Income difference$85,000
Years together10
Monthly support (low)$800
Monthly support (high)$1,200
Duration5 - 10 years (or indefinite)

Example 3: 20-Year Relationship

FactorValue
Payor income$150,000
Recipient income$30,000
Income difference$120,000
Years together20
Monthly support$2,000 - $3,000
DurationIndefinite

Factors That Affect Support

Increases Support

FactorImpact
Longer relationshipHigher amount, longer duration
Larger income gapHigher amount
Children from relationshipHigher amount
Recipient stayed homeCompensatory factor
Age of recipientHarder to re-enter workforce
Health issuesMay extend duration

Decreases Support

FactorImpact
Short relationshipLower amount, shorter duration
Both incomes similarMinimal or no support
Recipient can become self-sufficientTime-limited support
New relationship (recipient)May reduce or end support
Employment opportunitiesShorter duration

Tax Treatment of Spousal Support

TypePayorRecipient
Periodic supportTax deductibleTaxable income
Lump sumNot deductibleNot taxable
Child supportNot deductibleNot taxable

Properly structured, support payments can reduce overall tax burden.

Common-Law vs Married Support

AspectCommon-LawMarried
Support entitlementSame SSAGSame SSAG
Property divisionProvince-dependentAutomatic equalization
Time required2-3 years (varies)Immediate upon marriage
ApplicationCourt or agreementCourt or agreement

Common-law partners do NOT automatically have property division rights (except BC). Support is separate from property.

Getting Support Without Court

1. Negotiate Directly

Many couples agree on support without lawyers or court.

2. Mediation

BenefitDetails
Lower cost$3,000-5,000 typical
FasterWeeks vs months
Less adversarialBoth parties work together

3. Collaborative Family Law

Lawyers help negotiate without court proceedings.

4. Cohabitation Agreement

Create an agreement before/during relationship:

  • Define support expectations
  • Address property
  • Reduce future conflict

Enforcing Support

If a payor doesn’t pay:

ProvinceEnforcement Agency
OntarioFamily Responsibility Office (FRO)
BCFamily Maintenance Enforcement Program
AlbertaMaintenance Enforcement Program
Other provincesSimilar enforcement agencies

Enforcement can include:

  • Wage garnishment
  • Bank account seizure
  • Passport suspension
  • License suspension
  • Jail (extreme cases)

Changing Support Orders

Support can be changed if circumstances change materially:

ChangeEffect
Payor job lossMay reduce support
Recipient gets jobMay reduce support
Payor income increasesMay increase support
Recipient new relationshipMay end support
Recipient remarriesOften ends support