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Five ways to separate.One is usually right for you.

Lawyers, mediation, collaborative, do-it-yourself templates and FairWell. What each one is for, what it costs, and the honest case for and against.

Cost estimator

Move the sliders. Watch the cost.

Indicative per-spouse ranges, not quotes. Real costs vary a lot by province or state and by complexity, so ask a lawyer or mediator for a quote. Two things drive cost: how much you disagree, and how complex the finances are.

Fighting about everything70%Agree on most things
Simple30%Business, pensions, property
Route

Lawyer-led

Each spouse retains counsel; lawyers negotiate, and litigate if needed.

For: family violence, hidden assets, genuine legal disputes, cross-border matters.

Against: $10K to $100K+ per spouse; months to years; the process itself escalates conflict.

Route

Mediation

A neutral helps you agree; you each get legal advice on the result.

For: couples who can be in a room together and want a fair, fast result.

Against: $3K to $10K; needs both to participate in good faith; not for abuse or big power imbalances.

Route

Collaborative

Lawyers and neutrals sign on to settle without court.

For: complex finances with cooperative spouses; children with special needs.

Against: $8K to $25K per spouse; if it fails, everyone starts over with new lawyers.

Route

DIY templates

A generic form you fill in yourself.

For: very short marriages, no children, no property.

Against: $0 to $200; may not fit your province or state's rules; no disclosure and no guidance.

Route

FairWell, then a lawyer

Guided disclosure and your terms organised from both partners' inputs; a local lawyer prepares the agreement and advises you, at a flat fee where one is offered.

For: most couples who can agree on the big picture and want to be organised before they pay for a lawyer's time.

Against: not for abuse, hidden assets or contested parenting; you still need a lawyer to prepare the agreement and advise you.

RouteCost per spouseTimeline
Lawyer-led, contested$15K to $100K+1 to 3 years
Collaborative$8K to $25K6 to 18 months
Mediation$3K to $10K3 to 12 months
DIY template$0 to $200Days, but problems can surface later
FairWell, then a lawyer$500 to $2,000Depends on you and your lawyer

Canadian and US ranges from published fee schedules and professionals in our directory. Not a quote. Contested cases with hidden assets, business interests or safety concerns need a lawyer in an active role from the start, and the assessment says so.