Estimate Spousal Support Under Your State's Real Rules
A free alimony calculator that refuses to fake it: where your state has a true statutory formula we compute it with the math shown, and where spousal support is factor-based we show the actual statutory factors a judge must weigh instead of an invented number.
Quick Answer: How Courts Actually Decide Alimony
Most states have no alimony formula. A judge first asks whether the requesting spouse needs support and whether the other spouse can pay, then weighs a statutory factor list: length of the marriage, each spouse's income and earning capacity, age and health, the marital standard of living, and contributions to the other's career. Only a minority of states compute a number: Illinois, New York, New Hampshire, Massachusetts, Florida, and Texas have statutory formulas or ceilings, and Colorado publishes an expressly advisory guideline. Duration usually tracks the length of the marriage, and for agreements signed after 2018 alimony is neither deductible for the payer nor taxable to the recipient.
Check Your State’s Alimony Rule
Pick your state first. If it has a real statutory formula we compute it with the math shown. If it decides alimony from factors, we show you the actual statutory factor list instead of inventing a number. Rules verified as of August 16, 2026; confirm before relying on any figure.
How Is Alimony Calculated?
The honest answer is that how alimony is calculated depends first on which of two worlds your state lives in. In the small formula world, the legislature wrote arithmetic into the statute. Illinois maintenance is 33 1/3 percent of the payor's net annual income minus 25 percent of the recipient's, capped so the recipient never ends up with more than 40 percent of the combined net income. New York runs two calculations, one of which subtracts a percentage of the recipient's income from a percentage of the payor's, and awards the lower result. New Hampshire takes 23 percent of the difference in gross incomes. These formulas exist, they are verifiable, and our calculator runs them exactly as written, with every step displayed.
In the much larger factor world, there is no arithmetic to run. Statutes like California Family Code section 4320, Ohio Revised Code 3105.18, and Pennsylvania's 23 Pa.C.S. 3701 hand the judge a list of considerations, anywhere from six factors in Washington to twenty in West Virginia, and direct an award that is just and equitable. Two judges applying the same list to the same family can land on different numbers. That is why we refuse to run an invented formula for factor states: a made-up number dressed as a calculation is worse than no number. Instead we show the verified factor list and statute cite, so you can see exactly what your judge is required to weigh.
Whatever world you are in, the threshold question is the same everywhere: does the requesting spouse actually need support, and can the other spouse pay it while meeting their own needs? States like Kentucky, Missouri, Montana, and Idaho write that two-part test directly into the statute. If the property division already leaves both spouses able to support themselves, many courts award nothing. That is also why alimony negotiations run alongside the property split in a divorce settlement agreement rather than after it, and why an accurate financial affidavit matters more than any calculator.
Alimony Calculator by State: The Eight States With Real Math
An honest alimony calculator by state can only compute where the legislature wrote a formula. These are the eight statutes we verified and encoded, exactly as written. Every other state is factor-based: pick it in the calculator above to see its verified factor list.
| State | Statute | Amount Rule | Cap / Duration |
|---|---|---|---|
| Illinois | 750 ILCS 5/504(b-1) | 33 1/3% payor net income minus 25% recipient net income | Recipient total capped at 40% of combined net; duration multiplier by marriage length |
| New York | DRL § 236-B(6) | 30% payor minus 20% payee (20%/25% with child support), vs 40% combined minus payee; lower controls | Applies to first $241,000 of payor income (as of Mar 1, 2026) |
| New Hampshire | RSA 458:19-a | Lesser of reasonable need or 23% of the gross income difference | Duration capped at 50% of the marriage length |
| Massachusetts | M.G.L. c. 208 §§ 49, 53 | Need, or 30% to 35% of the gross income difference | Duration capped at 50% to 80% of the months of marriage; indefinite past 20 years |
| Florida | Fla. Stat. § 61.08 | Ceiling: lesser of reasonable need or 35% of the net income difference | Duration capped at 50%/60%/75% of marriage length; none under 3 years |
| Texas | Tex. Fam. Code § 8.055 | Ceiling: lesser of $5,000/month or 20% of average monthly gross income | Max 5/7/10 years by marriage length; narrow eligibility |
| Colorado | C.R.S. § 14-10-114 | Advisory: 40% of combined income minus lower income, times 80% or 75% | Expressly non-presumptive; applies up to $240,000 combined income |
| Vermont | 15 V.S.A. § 752(b)(9) | Advisory: percentage of the gross income difference by marriage length (0-16% under 5 years up to 24-41% at 20+ years) | Expressly non-presumptive; one of nine statutory factors, with matching duration bands |
Statutes verified August 16, 2026 against legislature texts or corroborated official mirrors. Formulas change (Florida rewrote its alimony law in 2023; New York's income cap adjusts every two years), so confirm before relying on any figure.
Key Concept: A Ceiling Is Not an Award
Two of the formula states, Texas and Florida, wrote maximums, not entitlements. Texas courts may not order more than the lesser of $5,000 a month or 20 percent of gross income, and must order the least amount for the shortest time that meets minimum reasonable needs. Florida's durational alimony may never exceed 35 percent of the net income difference, but the actual award is the recipient's reasonable need if that is lower. Treat those numbers as the outer wall of the negotiation, not the starting offer.
The Spousal Support Calculator Problem in Factor States
Most spousal support calculator pages on the internet quietly apply one generic formula to all fifty states. That produces confident-looking numbers that have no relationship to the law of California, Ohio, Georgia, or any other factor state, and people negotiate real settlements against those fictions. Our tool takes the opposite approach: pick a factor state and you get the statute's actual factor list, its duration rules if it has any, and any statutory bars, because that is what will actually decide your case. If you still want a rough budgeting band, it is available behind a click, labeled for exactly what it is: general information drawn from other states' formulas, not your state's law.
The factor lists are not interchangeable, and the differences are where cases are won. North Carolina makes marital misconduct a mandatory consideration and bars alimony outright for a dependent spouse's pre-separation infidelity. Washington forbids considering misconduct at all. Georgia and South Carolina bar adultery-caused claims. Indiana barely has alimony: outside disability and caregiving cases it allows only three years of rehabilitative maintenance. Louisiana caps final support at one-third of the payor's net income. Knowing which of these regimes you are in matters far more than any percentage.
Spousal support also never travels alone. The same negotiation fixes child support, the parenting schedule, and the property split, and each moves the others: several statutes explicitly exclude income already counted for child support, and the property a spouse receives is the first thing courts examine when deciding need. Run our child support calculator beside this one, sketch the custody schedule in a parenting plan, and treat the three numbers as one package before you agree to any of them.
How Long Does Alimony Last?
How long alimony lasts is usually a function of how long the marriage lasted, and the modern trend is firmly toward time limits. Verified examples from the statutes we encoded: Illinois multiplies the marriage length by a factor that starts at .20 for marriages under five years and climbs by .04 each year to .80 at nineteen years; only a marriage of twenty years or more supports indefinite maintenance. Massachusetts caps general term alimony at half the months of a five-year marriage, rising to 80 percent for a twenty-year marriage. Florida caps durational alimony at 50, 60, or 75 percent of the marriage length and forbids it entirely under three years. New Hampshire and Maine cap support at half the marriage length, Delaware at half for marriages under twenty years, and New Jersey and Utah at the length of the marriage itself.
The twenty-year mark is the most common cliff. New Jersey reserves open durational alimony for marriages of at least twenty years, Delaware and Alabama drop their time limits at twenty years, Minnesota presumes indefinite maintenance at twenty years, and Illinois and Massachusetts open the door to indefinite awards there too. Below ten years, the presumptions run the other way: Maine presumes no general support at all, Texas normally requires a ten-year marriage for eligibility, and Minnesota presumes nothing under five years. Even where a term is set, support typically ends early on the recipient's remarriage, frequently on cohabitation, and on either party's death, unless the agreement says otherwise.
Duration is also the most negotiable variable. Because most statutes state caps and presumptions rather than entitlements, parties routinely trade duration against amount, against the property split, or for a lump-sum buyout, and courts accept those deals when they are documented cleanly. If you and your spouse are settling before or outside a filing, the terms belong in a separation agreement with explicit start, review, and termination provisions, so neither side is guessing later about when the obligation ends.
The Federal Tax Rule: Post-2018 Alimony Is Tax Neutral
For any divorce or separation agreement executed after December 31, 2018, federal law (see IRS Topic 452) makes alimony invisible to the IRS: the payer cannot deduct it and the recipient does not report it as income. Pre-2019 agreements keep the old deductible-and-taxable treatment unless modified with language expressly adopting the repeal. This repeal is baked into several state formulas: New Hampshire's statute drops from a 30 percent formula to 23 percent while alimony is non-deductible, and Colorado multiplies its guideline by 80 or 75 percent for the same reason. When you compare settlement offers, compare after-tax dollars, not face amounts.
What Courts Check Before Any Alimony Number
Need and Ability to Pay
The universal threshold. Kentucky, Missouri, Montana, Idaho, and others require the requesting spouse to lack sufficient property for reasonable needs and be unable to self-support through appropriate employment before any award is considered.
The Property Division Comes First
Alimony is decided after the marital estate is split, and the property a spouse receives counts against need. A settlement heavy in liquid assets can eliminate support entirely, which makes the two negotiations inseparable.
Which Income Base Applies
Illinois and Florida run on net income, Massachusetts and New Hampshire on gross, New York on gross minus FICA up to a $241,000 cap, and Texas on gross excluding Social Security and VA disability. Using the wrong base produces confidently wrong numbers.
Imputed Income
Every state can base support on earning capacity rather than actual pay when a spouse is voluntarily unemployed or underemployed. Work history, credentials, and the local job market set the imputed figure, for payers and recipients alike.
Fault and Misconduct
Georgia and South Carolina bar adultery-caused claims, North Carolina makes misconduct decisive in both directions, Virginia bars support to an adulterous spouse absent manifest injustice, while Washington and other no-fault states ignore misconduct entirely.
Termination Events
Remarriage of the recipient almost always ends support, cohabitation often does, and death ends it absent life-insurance security. Well-drafted agreements name every termination and review trigger so nobody litigates them later.
Warning: Do Not Negotiate Against an Invented Formula
If a website hands you one alimony number for a factor state, it made that number up. Negotiating against a fictional benchmark can cost you badly in both directions: recipients anchor low against formulas that ignore a twenty-year absence from the workforce, and payers anchor high against percentages their state never adopted. In a factor state, the leverage lives in the statutory factors themselves: document the marital standard of living, the career sacrifices, the true incomes, and the property split, and build your position from those.
From Estimate to Enforceable Paperwork
No estimate pays anyone. Spousal support becomes real when it is written into a document a court will sign: a marital settlement agreement, a stipulated judgment, or a standalone support agreement that states the amount, the payment schedule, the income bases used, and every modification and termination trigger. If you are resolving support as part of a full divorce, our divorce document preparation services cover the settlement agreement, supporting financial disclosures, and the rest of the package as one consistent set. For a standalone support arrangement, start from our spousal support agreement template or have it drafted to your facts.
Couples who separate without divorcing, or who want support settled while the case is pending, typically use a separation agreement template that fixes interim support alongside the household logistics. Spouses who want to settle support terms while staying married can do it in a postnuptial agreement. And where the number was negotiated as part of the overall property split, the reasoning belongs in the divorce settlement template's support provisions, so a future modification court can see what the deal traded. For anything beyond templates, our legal document drafting services put a licensed attorney on the drafting.
Frequently Asked Questions
How is alimony calculated?
In most states, alimony is not calculated at all in the mathematical sense: a judge weighs a statutory list of factors, such as the length of the marriage, each spouse's income and earning capacity, age and health, the marital standard of living, and contributions to the other spouse's career, then sets an amount that is equitable. Only a minority of states have a real formula. Illinois computes maintenance as 33 1/3 percent of the payor's net income minus 25 percent of the recipient's, New York runs a two-step percentage formula, New Hampshire uses 23 percent of the gross income difference, Massachusetts sets a 30 to 35 percent guideline range, Florida caps durational alimony at 35 percent of the net income difference, and Texas caps maintenance at the lesser of $5,000 or 20 percent of gross monthly income. Everywhere else, any "alimony formula" you see online is an invention, not the law.
Which states have an actual alimony formula?
Based on the statutes we verified in August 2026: Illinois (750 ILCS 5/504(b-1)) and New York (DRL 236-B(6)) have true guideline formulas courts start from; New Hampshire (RSA 458:19-a) sets alimony at the lesser of need or 23 percent of the gross income difference; Massachusetts (M.G.L. c. 208 s. 53) uses a 30 to 35 percent guideline range; Florida (Fla. Stat. 61.08) and Texas (Tex. Fam. Code 8.055) impose statutory ceilings rather than awards; and Colorado (C.R.S. 14-10-114) publishes an expressly advisory guideline. Arizona's Supreme Court adopted official guidelines with a state-run calculator in 2023. The remaining states decide alimony from statutory factors, case by case.
How long does alimony last?
Duration usually tracks the length of the marriage. Verified examples: Illinois multiplies the marriage length by a statutory factor that climbs from .20 (under 5 years) to .80 (19 years), with 20-plus-year marriages eligible for indefinite maintenance. Massachusetts caps general term alimony at 50 to 80 percent of the months of marriage depending on its length, going indefinite past 20 years. Florida caps durational alimony at 50, 60, or 75 percent of the marriage length. New Hampshire and Maine cap it at half the marriage length, Delaware at 50 percent for marriages under 20 years, New Jersey and Utah at the length of the marriage itself, and Kansas at 121 months per award. Texas allows at most 5, 7, or 10 years depending on marriage length. In pure factor states the judge sets duration case by case.
Is alimony tax deductible or taxable income?
Not anymore, for modern agreements. Under federal law as explained in IRS Topic 452, for any divorce or separation agreement executed after December 31, 2018, the payer cannot deduct alimony and the recipient does not report it as income. Agreements executed before 2019 keep the old deductible-and-taxable treatment unless they are later modified with language expressly adopting the repeal. This change is also why several states adjusted their formulas: New Hampshire's 23 percent figure and Colorado's 80 or 75 percent reduction both exist because the payer no longer gets a deduction.
What is the difference between alimony and spousal support?
They are the same thing under different names. "Alimony" is the traditional term and still the statutory word in states like Florida, Georgia, and Massachusetts. Many states renamed it: spousal support (Ohio, California, Virginia), spousal maintenance (Arizona, Minnesota, Washington, Texas calls it simply "maintenance"), or maintenance (Illinois, New York, Kentucky, Missouri). Louisiana calls it "final periodic support." The label does not change the substance: a court-ordered payment from one ex-spouse to the other, separate from child support and from property division.
Does cheating affect alimony?
It depends heavily on the state, and this is one of the sharpest differences between them. In Georgia, a spouse whose adultery or desertion caused the separation is barred from alimony entirely (O.C.G.A. 19-6-1(b)). In South Carolina, adultery before a signed settlement or permanent order is an absolute bar. In North Carolina, illicit sexual behavior by the dependent spouse bars alimony, while the same conduct by the supporting spouse makes an award mandatory. Virginia generally bars support to a spouse whose adultery grounds the divorce, unless denial would be a manifest injustice. At the other end, Washington orders maintenance "without regard to misconduct," and no-fault states like California do not weigh ordinary infidelity at all (though documented domestic violence does matter there).
Do I get alimony after only a few years of marriage?
Short marriages rarely produce meaningful alimony. Several states say so expressly: Florida bars durational alimony for marriages under 3 years, Maine presumes no general support under 10 years, Minnesota presumes no maintenance under 5 years, and Texas normally requires a 10-year marriage before ordinary maintenance is even available. In formula states the math itself shrinks with the years: Illinois gives a marriage under 5 years a duration multiplier of just .20, so a 4-year marriage supports at most about 10 months of guideline maintenance. Factor states reach similar results through the length-of-marriage factor. Short-marriage cases more often end with transitional help, a modest property adjustment, or nothing.
Can alimony be changed or stopped after the divorce?
Usually yes, unless the parties agreed it is non-modifiable. Periodic alimony can typically be modified on a substantial change in circumstances, such as involuntary job loss, disability, or retirement, and it commonly terminates automatically on the recipient's remarriage and often on cohabitation with a new partner. Lump-sum and reimbursement alimony are generally fixed once ordered. The critical procedural rule mirrors child support: courts change payments from the date a modification motion is filed, not from the date life changed, so a paying spouse who loses a job should file promptly rather than quietly falling behind.
Can we agree to waive alimony?
Generally yes, and this is a major difference from child support, which belongs to the child and cannot be bargained away. Spouses can waive or fix spousal support in a prenuptial or postnuptial agreement, or resolve it in a divorce settlement, and courts usually honor those deals if they were entered voluntarily with fair disclosure. States police the edges: many will refuse to enforce a waiver that leaves a spouse destitute or on public assistance, and some require independent counsel or specific formalities for premarital waivers. If you are negotiating one, a properly drafted agreement with full financial disclosure is what makes the waiver stick.
What income counts for alimony?
Each statute defines its own income base, and the differences move real money. Illinois runs on net income as defined by its support statutes. New York uses gross income less FICA and New York City or Yonkers taxes, applied to the first $241,000 of the payor's income under the cap effective March 1, 2026. Massachusetts and New Hampshire use gross income, with Massachusetts excluding income already counted for child support. Florida uses net income. Texas uses gross income but excludes Social Security, SSI, VA service-connected disability compensation, and workers' compensation. Courts in every state can also impute income to a spouse who is voluntarily unemployed or underemployed.
Is this alimony calculator legally binding?
No. It is an educational tool. Where your state has a statutory formula we compute that formula with the math displayed, but a court applies the statute to verified financial disclosures, can deviate with findings, and controls duration. Where your state decides alimony from factors, no calculator can honestly predict the number, which is why we show you the statutory factor list instead. Use the output to plan and negotiate, then have the terms drafted into a proper spousal support agreement or judgment so they are enforceable.
This page and calculator provide general legal information, not legal advice, and using them creates no attorney-client relationship. State rules were verified against primary sources as of August 16, 2026 and change frequently; confirm the current statute, your court's rules, and how they apply to your facts with a licensed family law attorney in your state before acting. We draft documents; you review, sign, and file them.
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Put Your Support Terms in Writing
An estimate starts the conversation; a signed, state-specific agreement ends it. A licensed attorney can draft your spousal support agreement with the amount, duration, income definitions, and termination events set out so it holds up in court.