Cash-flow calculator · Ontario · 2026
What's actually left in your account after support?
Most calculators stop at the monthly support number. This one runs Ontario tax and all the standard deductions all the way through — and shows what hits your account each pay period.
Full tax stack
Federal tax, Ontario tax, Canada Pension Plan, Employment Insurance — all the way through to what hits your account.
Both sides
Your take-home on screen, plus the other parent's side — what they actually receive after tax — in the emailed PDF report.
Your pay schedule
Weekly, every two weeks, or monthly — pick the one that matches your real paycheque.
Cairn's take-home calculator is a free Ontario child and spousal support calculator that runs the full tax stack — no account, no fee. Support is paid out of after-tax income, but child support and spousal support flow through the tax system very differently. Child support comes out of after-tax cash — not deductible to the paying parent, not taxable to the receiving parent. Spousal support paid under a written agreement or court order is the opposite — deductible to the paying spouse and taxable to the receiving spouse, which moves both of you into different tax brackets at the end of the year.
Paycheque withholding is the part that catches paying spouses first. By default, your employer takes tax off your paycheque as if you were not paying any spousal support at all — and the deduction comes back as a refund at the end of the year. That is twelve months of your money sitting with the government. Canada Revenue Agency form T1213 asks them to reduce the tax taken off each paycheque to reflect the support deduction, so the cash stays with you every payday. With or without it, the calculator shows you the math.
This page runs the full Ontario tax stack, both kinds of support, and both paycheque scenarios — and reports your take-home at whatever pay schedule matches your real paycheque, with the other parent's side included in the emailed PDF report.
Your income, and your spouse's
Both of your gross annual incomes — what you each make in a year before tax.
What you make in a year before tax. Use last year's tax return if it's handy, or your most recent T4.
The same number for your spouse — what they make in a year before tax. Your best honest estimate is fine.
Your kids and how time is shared
How many, their ages, and where they live most of the time.
Children of the relationship who still depend on the two of you. Enter 0 if there are none.
Time together, and ages
How long you've been a couple, plus both your ages.
Count the years you've been a couple, even before marriage. If you lived together for two years before getting married six years ago, enter 8.
We need this to figure out the realistic range for how long support might be paid.
Same reason — age and length of relationship together affect how long support typically lasts.
Methodology reviewed May 6, 2026 · Cross-validated against DivorceMate Tools One · See full sources · Read the guide
Common questions
The questions men ask about Ontario support.
Plain-language answers about how the Federal Child Support Guidelines and the Spousal Support Advisory Guidelines actually work in Ontario.
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.
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- Your Ontario situation, mapped in about five minutes
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