Key Takeaways:
- Colorado child support covers a child’s ordinary living expenses, including food, clothing, housing, utilities, personal care, routine transportation, recreation, and basic school supplies.
- Work- or education-related childcare, health insurance premiums, and extraordinary medical expenses may be added to the basic support calculation and allocated between the parents based on income.
- Extracurricular activities, private school tuition, special educational costs, and long-distance transportation are not automatically included; responsibility depends on the parents’ agreement, the court order, and the family’s circumstances.
- The parent receiving child support generally does not have to document how every dollar is spent, because payments may contribute to shared household expenses that support the child.
- Colorado child support may be modified when a significant and continuing change in income, parenting time, or the child’s expenses would generally alter the support obligation by at least 10%.
When parents separate or divorce in Colorado, they may have a lot of questions about child support, how it works, and what it covers. Many parents assume that child support is intended to cover only basic necessities such as food, clothing, and housing. In actuality, Colorado’s child support system is designed to account for a broad range of expenses associated with raising a child.
Colorado uses statutory child support guidelines to determine a presumptive support obligation based primarily on the parents’ incomes, the number of children, and the amount of parenting time each parent exercises. This calculation can also account for certain expenses, including work- and education-related childcare, health insurance, extraordinary medical expenses, and other extraordinary expenses. Our Colorado child support lawyers can help you understand what is and isn’t included in the basic child support obligation to help you come to an agreement on parenting time and other issues related to your kids.
At Ascent Legal Group, we take a strategic approach to Colorado family law matters. We will advocate for your best interests while helping you look for practical solutions whenever possible. Reach out to our law firm today to schedule a free 30-minute consultation with a Colorado Springs family law attorney.
How Is Child Support Calculated in Colorado?
Colorado’s child support guidelines are designed to estimate the amount of financial support that would have been available for the children if the parents had remained together. The calculation considers the parents’ combined adjusted gross income and then allocates responsibility between them. Parenting time is also relevant to the calculation, as the parent with less parenting time typically pays child support to the parent with more parenting time.
When calculating child support under the guidelines, certain expenses are handled separately as add-ons to the basic child support obligation. This includes childcare, health insurance, extraordinary medical expenses, and other extraordinary expenses. Our Colorado child support calculator takes into account these additional child-related costs, although it is important to understand that courts can deviate from the standard child support calculation when necessary.
Not every expense associated with raising a child is added to the child support payment as a separate line item. Instead, many expenses are presumed to be covered by the basic child support obligation.
What Does Basic Child Support Typically Cover?
Basic child support is intended to contribute toward the ordinary costs of raising a child. Although the statute does not provide a list of everything covered by the monthly payment, the guideline amount is intended to address the child’s basic needs. These expenses commonly include:
- Food and groceries
- Clothing and shoes
- Housing and household expenses
- Utilities
- Ordinary personal care expenses
- Ordinary transportation costs
- Routine recreation expenses
- School-related necessities that may be considered part of ordinary living expenses (such as back-to-school supplies)
- Other day-to-day costs associated with caring for a child
If a parent receives a monthly child support payment, that parent does not need to account for every grocery purchase, utility bill, or clothing payment to demonstrate that the support was spent appropriately. The parent receiving child support is presumed to spend the total child support obligation on the children. This means that the parent paying child support typically does not have the right to demand to know how the other parent spent every dollar.
The purpose of the support order is to provide financial resources for the child’s needs. However, expenses that fall outside of the basic child support obligation may be addressed separately if the parents agree or if the court orders an additional contribution.
How Are Childcare Expenses Paid?
Childcare is one of the most important expenses that may be addressed separately from the basic child support amount. Colorado law provides for an adjustment for net child care costs incurred because of a parent’s employment, job search, or education. These costs are generally divided between the parents in proportion to their adjusted gross incomes.
For example, suppose a parent has to pay for daycare in order to be able to work their full-time job. That childcare expense may be incorporated into the child support calculation instead of requiring that parent to absorb the entire cost.
However, childcare that isn’t related to work or education is not necessarily covered by child support. If you are using childcare for any other reason, those expenses won’t be added to the support obligation. For example, if you pay a babysitter so you can go out to dinner every Friday night with your friends, that won’t be considered an education- or work-related childcare expense that can be included in the child support calculation.
Are Health Insurance and Medical Expenses Covered by Child Support?
Colorado courts can order a parent (or both parents) to provide medical insurance for a child or otherwise provide for the child’s current and future medical needs. The child-related portion of health insurance premiums can be incorporated into the child support calculation.
Colorado law separately addresses extraordinary medical expenses, which can include uninsured expenses, including copayments and deductibles. This can include things like dental treatment, braces, vision care, physical therapy, prescription medication, medical equipment, counseling, and other uninsured healthcare expenses. For children with disabilities, extraordinary medical expenses can also include vehicle modifications, respite care, therapeutic activities, and more.
These expenses are usually divided between the parents in proportion to their adjusted gross income rather than automatically split 50/50. Parents should review their child support order before assuming that the other parent is responsible for half of an unexpected medical bill.
Do Extracurricular Activities Count as Child Support Expenses?
For Colorado parents, extracurricular activities can be one of the more complicated issues to navigate when it comes to child-related expenses. Sports, music lessons, dance, gymnastics, scouting, camps, and similar programs can be costly. However, parents should not assume that every extracurricular expense is added to the basic child support or divided between them.
A parent may be required to contribute to a child’s athletic or extracurricular activities in appropriate circumstances. Courts can consider factors such as the child’s needs, the family’s circumstances, the reasonableness of the expense, and the child’s standard of living before the parents separated. In other words, the circumstances will often determine whether or not the expense will be split.
For example, if a child has played on a pricey club soccer team for years, that will likely be treated differently than a new activity that a child started after the parents divorced or separated. Similarly, if one parent decided to start their child in a new activity without consulting the other, that can affect how the expense is handled.
When possible, parents should discuss substantial extracurricular expenses before committing to them. A parenting plan or court order can establish procedures for deciding:
- Which activities require mutual agreement;
- How much each parent will contribute;
- Whether there is a spending threshold requiring advance approval;
- How registration fees and equipment costs will be divided;
- Who is responsible for transportation; and
- What happens if one parent does not agree to an activity.
Our Colorado family lawyers can help you craft an agreement that incorporates these types of provisions to help you avoid uncertainty and disagreements in the future. Instead of having to go to court whenever an issue arises, a more forward-thinking parenting plan can reduce costs and stress over time.
How Are Educational Expenses Paid?
Ordinary school expenses are typically considered part of the basic costs of raising a child. However, Colorado law allows certain educational expenses to be treated as extraordinary expenses.
Under the guidelines, reasonable and necessary expenses for a child to attend a special or private elementary or secondary school to meet the child’s educational needs may be allocated between the parents. Mandatory fees for public school can also qualify, such as laboratory fees, testing fees, educational materials, and certain supply fees. This does not include fees for uniforms, meals, or extracurricular activity fees.
If you make the decision to send your child to private school, you should not assume that the other parent will be responsible for half of the tuition. Whether private school tuition will be included as an extraordinary expense will depend on the child’s educational needs and the circumstances of the family. A court will consider factors such as the child’s needs and the standard of living the child would have experienced if the parents had stayed together.
Importantly, college and postsecondary education is handled differently from ordinary child support for a minor child. In some situations, a court may order a parent to contribute towards expenses like tuition, books, and fees for college, university, or a career and technical school. Postsecondary expenses can also be addressed in a divorce settlement or parenting plan.
How Are Transportation Costs Handled?
Colorado’s child support guidelines also address certain transportation costs. By agreement or court order, reasonable and necessary expenses for transporting a child between the parents’ homes may be allocated between the parents in proportion to their adjusted gross incomes.
This issue usually arises when the parents live far apart or when transportation responsibilities create substantial costs. For example, if one parent lives four hours away, the parents may need to split airfare costs or address how the expenses of driving back and forth will be paid. A parenting plan should establish how transportation will be handled and how expenses related to transportation will be handled.
What Expenses Are Usually Shared Separately?
There is no universal rule that every expense outside of the basic child support amount must be divided equally. Depending on the circumstances, expenses may be handled through:
- The basic monthly child support obligation;
- A specific adjustment to the child support calculation;
- A separate allocation between the parents;
- Direct payment to a provider;
- Reimbursement from one parent to the other; or
- A provision in the parenting plan or final court order.
Some extraordinary expenses are specifically divided according to the parents’ adjusted gross incomes. Other expenses may require an agreement between the parents or a court order.
Can Parents Agree to Share Additional Expenses?
Parents can often negotiate provisions that are more specific than the statutory guidelines. For example, parents may agree that they will share certain expenses for:
- Sports and extracurricular activities
- Summer camps
- Private school
- Tutoring
- Music lessons
- Technology required for school
- College savings
- Dental or orthodontic care
- Counseling
- Special medical equipment
- Transportation
Any agreement about these types of expenses should be specific enough to reduce future disagreements. For example, instead of stating that parents will split extracurricular expenses, a parenting plan could establish whether both parents must consent before an activity is undertaken and specify how the costs will be divided.
Can Child Support Be Changed If a Child’s Expenses Increase?
In Colorado, child support can be modified if there has been a significant and continuing change in circumstances. For example, childcare expenses may increase if a parent goes back to work full-time. A child may develop a medical condition that requires expensive treatments, begin a costly educational program, or get involved in a pricey extracurricular activity.
Changes in a parent’s income or in parenting time can also impact a child support calculation. In these circumstances, it may be possible to get a child support order modified. Generally, if the amount of support owed would change by 10%, that may be considered a substantial change in circumstances. Similarly, if there are significant changes in expenses, it may warrant a modification of child support.
Our Perspective on Colorado Child Support
In theory, Colorado’s child support guidelines provide a straightforward way to determine child support. In practice, there are a lot of unusual situations that go beyond the guideline calculations. This makes it incredibly important to think ahead when coming to an agreement on the allocation of parental responsibilities and child support.
In our experience, relying solely on the basic child support obligation can leave a lot of uncertainty. As anyone who has raised kids knows, you have to expect the unexpected. It isn’t unusual for clients to come to us to ask how to handle expenses for their kids that were never contemplated by their parenting plan.
We believe that a comprehensive parenting plan that addresses potential expenses in detail is the best way to avoid these problems (and the expense of litigation) in the future. Rather than having to go to court to decide who pays for an expensive extracurricular activity, you can spell out in advance exactly how these disagreements will be handled.
Of course, there are no guarantees that you and your ex won’t fight about some expenses related to the kids in the future. However, having an agreement that addresses the most likely possibilities in detail with specific provisions about how you’ll share the expenses can help. We work with clients to help them develop agreements that are designed to reduce the risk of future litigation.
How Ascent Legal Group Can Help
Child support is about meeting a child’s needs while allocating financial responsibility fairly between parents. A carefully drafted agreement can provide clarity about both the monthly child support obligation and the additional expenses that may arise as a child grows.
At Ascent Legal Group, our Colorado family law attorneys can help parents understand how income, parenting time, childcare expenses, insurance, medical expenses, educational costs, and other financial responsibilities may affect a child support order. Whether you are establishing a child support order for the first time, reviewing an existing order, negotiating a parenting plan, or seeking a modification, having a clear understanding of your financial obligations can help you make informed decisions. If you’d like to learn more, give us a call at 719-256-0067 or fill out our online contact form to talk to a Colorado Springs family lawyer.
Frequently Asked Questions about Colorado Child Support
Can Child Support Be Used for Expenses at the Parent’s Household?
Yes. Child support is intended to help meet a child’s overall needs, which can include household costs associated with providing the child with a place to live and caring for them. The support payment is not restricted to purchases made exclusively for the child.
Can a Parent Challenge an Expense They Believe Is Unreasonable?
Depending on the type of expense and the language of the existing court order or parenting plan, a parent may be able to dispute responsibility for a particular cost. This is especially important when a substantial expense was incurred without consulting with or getting agreement from the other parent.
Does a Parent Have to Pay More Child Support if the Child Develops Expensive Needs?
A significant change in a child’s medical, educational, or other needs may affect how the family’s expenses are allocated. Depending on the circumstances, the change could support a request to modify an existing child support order or address a particular expense separately.
Can Parents Create Their Own Agreement about How Children’s Expenses Will Be Divided?
The basic child support obligation in Colorado is determined using the statutory child support guidelines. However, parents can agree to additional financial arrangements concerning their children, provided the agreement complies with Colorado law. Putting specific terms in writing can help prevent future disputes over unexpected or recurring expenses.
Resources:
- Calculating Child Support Payments in Colorado. Colorado Child Support Services. https://childsupport.colorado.gov/calculating-payments
- Colorado Revised Statutes § 14-10-115. FindLaw. https://codes.findlaw.com/co/title-14-domestic-matters/co-rev-st-sect-14-10-115/











