{"id":351724,"date":"2026-02-11T11:27:56","date_gmt":"2026-02-11T16:27:56","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/family\/divorce\/avoid-alimony-monthly-payment-programs.html"},"modified":"2026-02-11T11:27:52","modified_gmt":"2026-02-11T16:27:52","slug":"avoid-alimony-monthly-payment-programs","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/family\/divorce\/avoid-alimony-monthly-payment-programs.html","title":{"rendered":"Avoiding Monthly Alimony Payments"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Avoiding Monthly Alimony Payments<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/amy-vandervort-clark-j-d\/\">Amy Vandervort-Clark, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/jordan-walker-j-d\/\">Jordan Walker, J.D.<\/a>\n                | Last updated\n        <time>\n                            February 11, 2026\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>Making monthly&nbsp;alimony or spousal support payments&nbsp;can be frustrating. One alternative to making monthly payments is making a lump sum payment to avoid the consequences of missing a payment.&nbsp;&nbsp;<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<p>In some situations, you may be able to make a one-time payment for the entire amount of <a href=\"https:\/\/www.findlaw.com\/family\/divorce\/spousal-support-alimony-basics.html\">alimony owed<\/a> instead of making monthly payments.<\/p>\n<p>This article shares how to avoid monthly alimony payments by making a lump sum spousal support payment instead. You\u2019ll also learn about the benefits and tax consequences of receiving lump sum payments.<\/p>\n<h2>Types of Spousal Support<\/h2>\n<p>Spousal support helps an ex-spouse keep a similar standard of living as when the couple was together. There are many types of alimony or spousal support:<\/p>\n<ul>\n<li>Temporary spousal support is sometimes ordered during your divorce decree or as part of a <a href=\"https:\/\/www.findlaw.com\/family\/divorce\/legal-separation.html\">legal separation<\/a>.<\/li>\n<li>Rehabilitative alimony or spousal support is paid until your ex-spouse becomes self-supporting or <a href=\"https:\/\/www.findlaw.com\/family\/marriage\/marriage-faqs.html\">gets remarried<\/a>.<\/li>\n<li>Permanent spousal support may be required if you were the primary earner during the marriage. It depends on the length of the marriage, your ex-spouse&#8217;s earning capacity, or their physical condition and need for financial support. Also some states, like Florida, no longer allow permanent spousal support.<\/li>\n<li>Reimbursement spousal support is when one spouse has worked to put the other through school or training to increase their income.<\/li>\n<\/ul>\n<p>Spousal support is not considered child support or part of <a href=\"https:\/\/www.findlaw.com\/family\/child-support\/how-to-calculate-child-support.html\">child support payments<\/a>. Making a lump sum payment of alimony will not change child support obligations.<\/p>\n<h2>How to Avoid Monthly Spousal Support Payments: Use Lump Sum Payment<\/h2>\n<p>If you have a court order to pay spousal support or spousal maintenance, you may be able to avoid a monthly payment and pay you entire alimony obligation in one lump sum. One single payment is helpful if you are still determining the amount of time you may need to pay spousal support.<\/p>\n<p>Your ex-spouse and the court will likely have to approve the lump sum payment agreement. Several\u00a0<a style=\"font-size: 0.8125rem; background-color: #ffffff;\" href=\"https:\/\/www.findlaw.com\/family\/divorce\/spousal-support-alimony-forms-and-information-by-state.html\">states allow a spouse to pay the total alimony<\/a><span style=\"font-size: 0.8125rem;\">\u00a0amount in one lump sum. Usually, the total sum must equal the total amount of future monthly payments.<\/span><\/p>\n<h2>Benefits of Taking Lump Sum Spousal Support<\/h2>\n<p>There are benefits to\u00a0<a href=\"https:\/\/www.findlaw.com\/family\/divorce\/questionnaire-are-you-entitled-to-alimony-spousal-support.html\">receiving a lump sum alimony payment<\/a>. First, if you decide to take a lump sum payment, you may get more money than if you accept monthly payments over many years. You may receive more because a lump sum payment must equal the total amount of future payments, and the lump sum is not discounted to the current value.<\/p>\n<p>Second, you won&#8217;t have to worry about collection problems with a lump sum alimony payment. Should the payor stop making payments, the supported spouse must go to court and get\u00a0<a href=\"https:\/\/dictionary.findlaw.com\/definition\/judgment.html\" target=\"_blank\" rel=\"noopener\">court judgments<\/a>\u00a0that order their former spouse to continue making monthly alimony payments. If you opt for a lump sum alimony payment, you can avoid these enforcement problems as you will receive all your alimony upfront.<\/p>\n<p>You will also avoid any future challenges to your spousal support order. If your ex-spouse&#8217;s income changes, they could return to court and ask to lower the alimony award. If the receiving spouse&#8217;s situation changes, they become self-sufficient and self-supporting, and the paying spouse may argue that a permanent alimony order is no longer needed.<\/p>\n<h2>Tax Consequences of Lump Sum Payments<\/h2>\n<p>Keep in mind that there could be\u00a0<a href=\"https:\/\/www.findlaw.com\/family\/divorce\/alimony-and-taxes.html\">tax implications<\/a>\u00a0if you decide to accept a lump sum payment for your alimony. Most spousal support payments are not deductible from the payor spouse&#8217;s gross income.<\/p>\n<p>In most states, lump sum alimony is not tax deductible by the payor spouse and is also not taxable income to the receiving spouse. This is because of the Tax Cuts and Jobs Act which applies to agreements executed or substantially modified after January 1, 2019. However, some states some still tax alimony or allow state\u2011level deductions. The rules can vary by state or <a href=\"https:\/\/www.findlaw.com\/tax\/tax-laws-forms\/federal-tax-laws.html\">federal income tax laws<\/a>. It is important to talk to your divorce attorney about these issues.<\/p>\n<p>You should consult a <a href=\"https:\/\/www.findlaw.com\/family\/divorce\/reasons-to-hire-an-experienced-family-law-attorney.html\">family law attorney<\/a> or tax expert that can help you determine how best to take a lump sum payment. The money you spend to hire an expert to help you could be significantly less than the cost of income taxes you may owe.<\/p>\n<h2>Need Help Avoiding Monthly Alimony Payments? Talk to an Attorney<\/h2>\n<p>Spousal support payments, whether you want monthly installments or a lump sum, come with benefits and drawbacks. You should know the consequences of your choices to make the right decision. If you would like to learn more about your options for paying or receiving alimony, consult with a qualified family law or\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/divorce\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">divorce attorney<\/a>\u00a0in your area.<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" 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11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                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was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button 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class=\"fl-image-card\">\n                <div class=\"fl-image-card__content\">\n            <div class=\"action-card-layout\">\n                <h2 class=\"action-card-layout__heading\">\n                    Don&#8217;t Forget About Estate Planning\n                <\/h2>\n                <div class=\"action-card-layout__content fl-text-lg\">\n                    <p>Divorce is an ideal time to review your beneficiary designations on life insurance, bank accounts, and retirement accounts. You need to change your&nbsp;<a href=\"https:\/\/www.findlaw.com\/forms\/estate-planning.html\" title=\"DIY Forms\">estate planning forms<\/a>&nbsp;to reflect any new choices about your personal representative and beneficiaries. You can change your power of attorney if you named your ex-spouse as your agent. Also, change your health care directive to remove them from making your health care decisions.<\/p>\n\n                <\/div>\n                <a href=\"https:\/\/www.findlaw.com\/forms\/estate-planning.html\" class=\"action-card-layout__button fl-button fl-link-button secondary\">\n                    <span class=\"fl-button-content\">Start Planning<\/span>\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>FindLaw breaks down the pros and cons of making alimony or spousal support payments in one lump sum instead of making monthly payments.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":351716,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2730],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-351724","page","type-page","status-publish","hentry","category-family"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/351724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=351724"}],"version-history":[{"count":3,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/351724\/revisions"}],"predecessor-version":[{"id":401114,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/351724\/revisions\/401114"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/351716"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=351724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=351724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=351724"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=351724"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=351724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}