With the news awash with stories of Brad Pitt and Angelina Jolie’s shock divorce, we take a look at the issues about child maintenance.
The financial side of child arrangements can be difficult to navigate. Understanding how child maintenance works – and how to calculate how much you could expect to receive or pay using a child maintenance calculator – is essential if you want to be able to plan for the future.
Both parents are responsible for the costs involved in raising a child. Child maintenance is paid when parents separate and one parent no longer lives in the family home.
A child maintenance calculator is used to work out how much child maintenance the parent living with the child could expect to receive (and how much the non-resident parent could expect to pay).
Child maintenance is not the same as spousal maintenance. These are two completely separate types of maintenance. Spousal maintenance is paid by one party to the other upon divorce, whereas child maintenance is only to do with a child’s living costs.
A child maintenance calculator will not give you any information about how much spousal maintenance you could expect in your financial settlement.
Sometimes, however, child and spousal maintenance are grouped together as a kind of ‘global maintenance’ to support the whole household.
Before using a child maintenance calculator, it is important to understand how child maintenance works.
If you and the other parent are able to agree on an amount between yourselves (with or without the use of a child maintenance calculator), there will be no need to involve anyone else. This is known as a family-based arrangement.
If you cannot reach an agreement on how much child maintenance will be paid, you can apply to the Child Maintenance Service (CMS).
You may want to use a child maintenance calculator to inform the discussions with your spouse, even if you do not intend to apply to the CMS.
The government website has a child maintenance calculator that you can use to see how much child maintenance you could expect to receive from the other parent.
If you do intend to make an application to the CMS for child maintenance, a child maintenance calculator can give you an idea of what you could expect to receive, so that you can begin to plan for your future.
So whether you want to apply through the CMS or sort child maintenance out between yourselves, using a child maintenance calculator can be helpful.
Whether you have already separated from your spouse or are considering a divorce, a child maintenance calculator can help to give you an idea of how much you could expect to receive in child maintenance payments.
Child maintenance is just one element in what can be a highly complicated process. So take a look at a child maintenance calculator to get an idea of what you could expect, but bear in mind that it is no substitute for legal advice from an experienced solicitor.
Although child and spousal maintenance are not the same thing, they are sometimes grouped together and paid to the children’s main carer as a kind of ‘global maintenance’. This type of maintenance is paid to support the whole household, rather than just the children. In this scenario, you may want to agree with your spouse that you’ll review the situation when any of the children turn 18.
If any of your children are about to turn 16 or are finishing full time education, you should be careful how you apportion the maintenance payments. This is because these scenarios can trigger the end of the maintenance for the child and could leave your household short of money.
You and your spouse may be able to agree an amount between yourselves, without any external involvement. If you cannot come to an agreement either between yourselves, or through processes such as mediation, you are able to apply to the Child Maintenance Service (CMS).
Child Maintenance Options has a calculator on their website that you can use to see how much you may receive in child maintenance from your spouse. The calculator can also be useful even if you don’t intend to apply to the CMS, as it can provide a starting point for your discussions with your spouse.
The CMS charge a £20 application fee and have enforcement charges if your spouse doesn’t pay. If you decide to use its ‘Collect and Pay’ service – where it collects the money from your spouse and pays it to you – there are fees associated with this.
If you or your spouse are high net worth individuals with complex finances, applying to the CMS may not be the best option. Also, you wouldn’t be able to apply to the CMS if either you or your spouse lives abroad. If any of these circumstances apply to you, it is best to get specialist legal advice with a solicitor experienced in working with high net worth or international individuals as soon as possible.
Before making any final decisions about child maintenance amounts and how they will be handled, it is important to get specialist legal advice about your situation from a specialist divorce lawyer.
Breaking up with a partner can take its toll, both emotionally and financially. If you’re trying to plan your finances and are asking yourself ‘how much child maintenance should I pay’, a child maintenance calculator (or CSA calculator) is a must.
In this article, we’ll help to answer the common ‘how much child maintenance should I pay’ question, so you can make sure you budget for the cost. We’ve even added our own CSA calculator (or child maintenance calculator) to help you work out your potential payments.
‘How much child maintenance should I pay’ is a common concern for the parent who is not the main carer of the child. While making sure your child is provided for is important, it’s also vital that you are able to budget for life as a newly single person. A child maintenance calculator, or Csa calculator, is an essential part of this planning, as once you have this approximate figure at hand, you can begin to budget for your other expenses.
In truth, the answer to the question ‘how much child maintenance should I pay’ will largely come down to your income (and things, such as pension payments, which affect this income). Pay too much and you could find yourself struggling to cover your own living costs. Pay too little and you may not be covering your share of your child’s day-to-day living costs.
If you and your ex-spouse can agree on the amount of child maintenance the ‘non-resident’ parent will pay, then there may be no need to involve the Child Maintenance Service. This is known as a ‘family-based arrangement’.
This type of arrangement is not usually legally binding. If you would like to make a legally binding agreement with your ex-partner, you may be able to go to court to do this.
If you and the other parent (the day-to-day carer of the child) cannot agree on an amount, the Child Maintenance Service can assess how much you should pay in child maintenance (try our CSA calculator at the bottom of this page to get an idea of the possible outcome).
Even if you are still hoping to reach an agreement between yourselves, looking at the ‘6 steps’ (as per the government’s website) the Child Maintenance Service normally follows to calculate the amount of child maintenance that should be paid every week by the ‘paying parent’ to the ‘receiving parent’, can serve to aid discussions:
1. Calculating income
The Child Maintenance Service requests the paying parent’s gross yearly income from HMRC.
2. Does anything affect this income?
Anything that could “change the gross income amount”, such as pension payments, is looked at by the Child Maintenance Service. The gross income a parent receives every year is then converted into a weekly amount.
3. The rate is then calculated (see our CSA calculator)
Depending on how much the gross weekly amount, calculated above, is, the rate of child maintenance is either a standard rate or worked out using a formula.
For more information about this, take a look at the table on the government’s website.
4. Are there any more children?
The Child Maintenance Service also looks at whether the parent in question has to pay child maintenance for any other child/children.
5. Amount to pay
The information gathered by the Child Maintenance Service in the previous four steps, will enable it to work out what the weekly amount of child maintenance should be.
6. Does the child stay overnight with the paying parent?
If the child in question stays overnight with the parent who is due to pay the child maintenance, the Child Maintenance Service can make a deduction on the above amount to reflect this. This will be based on the average number of what are known as ‘shared care’ nights per week.
A CSA calculator (or child maintenance calculator) could serve as a starting point to help you and the other parent to reach an agreement and enable you to answer the question ‘how much child maintenance should I pay’.
To this end, we have developed a child maintenance calculator (or CSA calculator) so you can see how much child maintenance you may be required to pay.
While a child maintenance calculator (or CSA calculator) is a useful starting point, we would always recommend seeking legal advice if you are unsure about any aspect of child maintenance.
For more information on this subject please visit our Legal Library.
For more information on child maintenance call our divorce solicitors on 0845 862 5001 or email mail@austinkemp.co.uk.
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