Worked example ยท composite, anonymised
Two incomes, one house, two kids: Ontario
Mira (teacher, $92,000) and Dan (electrician, $105,000), married 14 years, two children aged 9 and 12, house with $420,000 equity, Mira's pension, Dan's RRSPs.
The route
Both wanted the kids in the house through the school year and neither wanted a fight. They used the Complete Separation Package with both partners entering terms, then each booked a flat-fee independent legal advice session.
Property
Net family property was calculated at the separation date. Mira's teacher pension had a Family Law Value of $310,000; Dan's RRSPs were $140,000. The house was held jointly. After equalization, Dan owed Mira an equalization payment, which was satisfied by Mira keeping a larger share of the house sale proceeds two years later, documented in the agreement.
Children
Alternating weeks with a Wednesday dinner for the off-week parent. Child support was calculated as a set-off under section 9 because time was shared; Dan paid the difference of about $180 a month, recalculated each June. Section 7 expenses were split 53/47 by income.
Support
No spousal support. Both were self-sufficient and the SSAG range at these incomes and this length of marriage was minimal.
Cost and time
$999 for the package, split. $700 each for independent legal advice. Filing fees for the joint divorce. Signed agreement in seven weeks; divorce granted fourteen months after separation. Total under $3,000 per person.
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