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Child Support Calculator

A child support calculator estimates the monthly amount one parent pays the other to share the cost of raising a child, based on both parents' incomes, the number of children, how parenting time is split, and add-on costs such as health insurance and childcare.

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Estimated monthly child support

$870.00

$10,440.00 / year

Income shares

Payer50.0%
Recipient50.0%

Payer overnights: 20% · shared-custody credit not applied

Combined gross income$8,000.00
Basic support obligation$990.00
Payer's share of basic support$495.00
After shared-custody credit (× factor)$495.00
Payer's share of health insurance$75.00
Payer's share of childcare$300.00
Estimated monthly support$870.00
  • This is an educational estimate using a simplified Income Shares Model, not your state’s official guideline.
  • Every state has its own schedule, self-support reserve, and deviation rules — confirm the exact amount with your state child-support agency or a family-law attorney.
  • Texas administers its own child-support guideline; the estimate above is not state-specific.
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How to use

  1. 1

    Enter both incomes

    Type each parent's gross monthly income. For variable or self-employment income, use a representative monthly average of net earnings.

  2. 2

    Set children and payer

    Enter the number of children and choose which parent pays support. The payer is normally the parent with less parenting time.

  3. 3

    Adjust parenting time

    Move the slider to the paying parent's overnights. Above 40% a shared-custody credit kicks in and lowers the basic obligation.

  4. 4

    Add health and childcare costs

    Enter the monthly health-insurance premium for the child and any work-related childcare. The tool splits each by income share and adds the payer's portion to the monthly support.

Key facts

  • Dominant modelMost U.S. states use the Income Shares Model, under which child-support guidelines combine both parents' incomes and split the basic obligation in proportion to each parent's income.Source:National Conference of State Legislatures
  • Each state differsEvery state issues its own child-support schedule, self-support reserve, and deviation rules, so the exact amount varies by state and by case.Source:State child-support agencies
  • Legal search intentFamily- and legal-services calculators attract high-intent searches from users actively seeking legal help; legal-category ad RPM commonly runs in the $15 to $35 range.Source:Legal ad benchmarking

How this calculator works

This calculator applies a simplified, national Income Shares Model as an educational estimate. Both parents' gross monthly incomes are combined, each parent keeps a representative self-support reserve, and the basic child-support obligation is read from a tiered schedule keyed to the combined adjusted income and the number of children. The obligation is split in proportion to each parent's adjusted income.

A shared-physical-care credit reduces the paying parent's basic obligation when that parent has 40% or more overnights, reaching at most a 50% reduction at 100% overnights. Health-insurance and work-related childcare costs are added on top and split by the income shares. State-specific self-support reserves, local income taxes, deviations, and unreimbursed medical or extracurricular costs are not modeled, so the figure is an estimate and not legal advice.

Sources and standards

Disclaimer

This is an educational calculator, not financial advice. The result is an arithmetic projection of the figures you enter: it does not know your full circumstances, the terms of a specific offer, or the tax and regulatory rules that apply where you live. Confirm any figure against the terms of the product itself, or with a licensed professional, before acting on it.

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Frequently asked questions

How is child support calculated?

Most U.S. states use the Income Shares Model: both parents' incomes are combined, a basic support obligation is read from the state's guideline schedule, and that obligation is split in proportion to each parent's income. This calculator applies a simplified national version of that model, then adds each parent's share of health-insurance and childcare costs.

Does parenting time change the amount?

Yes. When the paying parent has a large share of overnights, most states apply a shared-custody (or shared-physical-care) credit that reduces the basic obligation, because the child's costs are already being met during that parent's time. This tool applies a credit above 40% overnights and reduces it further as overnights approach 50/50.

Is the result legally binding?

No. This is an educational estimate, not your state's official guideline. Every state publishes its own schedule, self-support reserve, and deviation rules, and a judge can order an amount above or below the guideline for a particular case. Confirm the exact figure with your state child-support agency or a family-law attorney.

What costs are included?

The base estimate covers the basic support obligation. Health-insurance premiums attributable to the child and work-related childcare are typically added on top and split by income share. Unreimbursed medical expenses, extracurricular activities, and private-school tuition are usually handled separately by the court and are not modeled here.

How does self-employment affect it?

Self-employed parents are generally assessed on net business income rather than a paycheck, and courts may add back certain personal expenses treated as business deductions. This tool takes gross monthly income as given; enter your net self-employment income to approximate, and have a professional review the number before relying on it.

Inside the Income Shares Model

Why most states start by adding the two incomes together

The Income Shares Model rests on one premise: a child should not be worse off financially because the parents live apart. To approximate that, both parents' incomes are combined, a basic support obligation for that combined income and number of children is read from a published schedule, and the obligation is then divided in proportion to what each parent contributes to the combined income.

The practical consequence is that the number that matters is the ratio between the two incomes, not either income on its own. Two households at very different income levels produce the same order if the split between the parents is the same.

Why parenting time moves the number

A parent who has the child for a large share of overnights is already paying part of the child's day-to-day cost directly, so a guideline that ignored overnights would charge that cost twice. Most states therefore apply a shared-care or shared-physical-custody adjustment.

Forty percent of overnights is a common trigger, but the shape of the credit differs by state: some use a simple percentage reduction, some treat the shared time as a separate household with its own costs, and some leave it to judicial discretion. The credit applies to the basic obligation rather than acting as a dollar-for-dollar offset, which is why an even split does not normally reduce support to zero.

What an estimate cannot decide

A guideline figure is a starting point, not an order. Courts routinely deviate for a child's special needs, a parent's extraordinary travel to preserve the relationship, or a self-support reserve that would otherwise leave a parent below subsistence.

This calculator applies one simplified national schedule rather than any single state's table, so it deliberately returns the same number whichever state you select. Use it to understand how the inputs interact, then confirm the figure with your state child-support agency or a family-law attorney before relying on it.

Which costs sit inside the guideline and which are added on top
CostInside the basic obligationAdded on top
Food, clothing, ordinary shelterYesNo
Health insurance for the childNoYes, split by income share
Work-related childcareNoYes, split by income share
Unreimbursed medical and dentalNoOften shared by percentage, ordered separately
Extracurriculars and private schoolNoCourt discretion, case by case

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