New Brunswick · SSAG "without child support" formula · 10.5-year relationship · reverse-engineered from DivorceMate Tools Cloud 2026 (verified to the dollar on four reference calculations)
How to read this: the monthly amount is fixed by the incomes and the 10.5-year relationship length — changing the agreed duration does not change the monthly, only how many months it's paid. So "Total she is owed" = monthly × months, and it matches the same-years row in the table above when the same Low/Mid/High is selected (highlighted column).
Payments assumed to start Oct 1, 2026 (end dates shift with the real start date). "One cheque today" is the discounted value (1.81%/yr) of the net payment stream — the fair single-payment equivalent of paying monthly over time; money paid later is worth less today, so one cheque now is smaller than the sum of the monthly payments. Note: periodic monthly support is tax-deductible to the payor and taxable to the recipient; lump sums are neither — structure with the accountant before agreeing.
The 2026 support-already-paid credit is whatever both sides agree counts as advance support out of what she received this year (~$100K+ received, only ~$25K through payroll). How her 2026 income is characterized for tax is separate trade material for counsel and the accountant.
Formula: annual support = (payor income − recipient income) × rate × 10.5 years of cohabitation; rates 1.5% / 1.75% / 2.0% for low / mid / high; SSAG duration range 5.25–10.5 years; you actually pay = total owed − equalization − 2026 credit, floored at zero. Planning estimate only — not legal or tax advice.