Property calculator · Ontario · 2026
Ontario equalization, worked out — what one spouse owes the other.
Enter what you and your spouse each owned and owed, and see both net family property figures and the equalization payment between you. No signup.
Net family property, both spouses
Each spouse's growth over the marriage, worked out under the Family Law Act and floored at zero — the starting point for equalization.
The matrimonial-home rule built in
The home is broken out on its own, so its marriage-date value is never wrongly deducted — the mistake that changes the answer most.
The payment between you
Half the difference between the two net family property figures — the cash one spouse owes the other.
Cairn's Ontario equalization calculator is a free tool that estimates the equalization payment under the Family Law Act — no account, no fee. When a married couple separates in Ontario, the law does not simply split every asset down the middle. Instead it measures how much each spouse's net worth grew during the marriage, and the spouse who grew wealthier pays the other half of the difference. That payment is called equalization, and the number it starts from is each spouse's net family property.
Net family property is built the same way for each of you: add up everything you owned on the separation date, subtract what you owed on that date, then subtract your net worth on the marriage date and any property the law excludes. The gap between the two spouses' figures, halved, is the equalization payment. It does not matter whose name an asset is in — what matters is the growth during the marriage.
Two rules trip men up most often. The matrimonial home is special: if you owned it before the marriage, you do not get to deduct its marriage-date value, so its whole separation-date value stays in the calculation. And excluded property — a gift or inheritance kept separate — only stays excluded if it is still traceable and was never commingled, such as being paid into the family home. This calculator breaks the home out on its own line and asks for your marriage net worth without the home so those rules are handled correctly.
You
Assets on the separation date
What each item was worth on the day you separated.
The family home's value on the separation date. Broken out on its own because the marriage-date value of a home you still own is never deducted.
Cottages, rentals, land — anything other than the matrimonial home.
Chequing, savings, and registered + non-registered investments (RRSP, TFSA, brokerage).
Use an actuarial value, not a statement balance — a statement figure will overstate or understate the number.
Cars, boats, furniture, and other personal belongings.
Your share of a company or professional practice on the separation date.
Anything of value not already captured above.
Debts on the separation date
What you owed on the day you separated.
The balance owing on the family home on the separation date.
Every other debt you owed on the separation date.
On the marriage date
Your financial starting point when the marriage began.
Assets minus debts you owned the day you married — but leave out any matrimonial home you still own, since its marriage value is never deducted.
Excluded property
Property the Family Law Act keeps out of the split.
Gifts or inheritances from someone else kept separate, personal-injury damages, and certain life-insurance proceeds still traceable on the separation date.
Your spouse
Assets on the separation date
What each item was worth on the day you separated.
The family home's value on the separation date. Broken out on its own because the marriage-date value of a home you still own is never deducted.
Cottages, rentals, land — anything other than the matrimonial home.
Chequing, savings, and registered + non-registered investments (RRSP, TFSA, brokerage).
Use an actuarial value, not a statement balance — a statement figure will overstate or understate the number.
Cars, boats, furniture, and other personal belongings.
Your share of a company or professional practice on the separation date.
Anything of value not already captured above.
Debts on the separation date
What you owed on the day you separated.
The balance owing on the family home on the separation date.
Every other debt you owed on the separation date.
On the marriage date
Your financial starting point when the marriage began.
Assets minus debts you owned the day you married — but leave out any matrimonial home you still own, since its marriage value is never deducted.
Excluded property
Property the Family Law Act keeps out of the split.
Gifts or inheritances from someone else kept separate, personal-injury damages, and certain life-insurance proceeds still traceable on the separation date.
The estimate
Enter each spouse's assets, debts, and marriage-date figures above to see the net family property for both of you and the equalization payment.
What this estimate does not do
- Pensions need an actuarial valuation — a statement balance will not give the right number.
- Excluded property only counts if it stays traceable; it is lost once it is commingled, such as being paid into the matrimonial home.
- A home owned before the marriage, or bought with excluded funds, gets special treatment this tool does not model.
- Valuation-date figures and asset values are often disputed, so treat every number here as an estimate.
- This is information, not legal advice, and Cairn is not a law firm.
Save to your Cairn dashboard
The full dashboard keeps these numbers and adds the action plan, the Form 13 workspace, a two-budget builder, and the parenting log. About five minutes. No credit card.
Go deeper on dividing property
The Money & Property kit walks you through valuing everything and building the equalization picture, and the guide explains how the split works step by step.
Reviewed July 1, 2026 · Based on the Family Law Act, Part I · Read the dividing-property guide
Common questions
The questions men ask about equalization and dividing property.
Plain-language answers about how equalization and net family property actually work under Ontario's Family Law Act.
About Cairn
Cairn is an Ontario-built preparation tool for men going through separation. It gives you orientation, document checklists, and the financial picture in plain language — so you can prepare and then work with a legal professional.
Keep your numbers
Save this to a free Cairn account.
- Keep these numbers alongside your full separation plan
- Your specific Ontario next steps, in order
- Free to start — no credit card