Marriage and Money in Canada: 70% Stay Together for Financial Reasons

Marriage Is Becoming a Financial Decision

A recent survey by H&R Block reveals a shifting reality in Canada: relationships are no longer driven purely by emotion, but increasingly by financial necessity. The findings show that nearly 73% of Canadians believe people stay in marriages or common-law relationships largely for economic reasons.

As the cost of living continues to rise, being in a relationship has become, for many, a practical way to reduce financial pressure. Housing costs, shared expenses, and tax considerations all contribute to this shift.

In fact, about 80% of respondents said that living together is more economical than living alone. This reflects the growing importance of cost-sharing in everyday life—from rent and utilities to groceries and transportation.

Money is even influencing emotional decisions. Around 27% of respondents said they would consider leaving their partner if they won the lottery. While extreme, this response highlights how financial realities are deeply embedded in modern relationships.

From Love to Responsibility: Relationships Are Evolving

Beyond financial pressures, family responsibilities—especially children—play a major role in maintaining relationships. The survey indicates that many marriages persist not because of emotional connection, but because of practical considerations.

Key findings include:
• 83% believe marriages are often maintained for the sake of children
• 40% say relationships involving children are driven more by practical concerns than emotional ones

At the same time, attitudes toward long-term commitment are changing. Nearly one in four Canadians expressed a preference for relationships that can be renewed or reassessed over time, rather than traditional lifelong marriage.

This suggests a broader shift: relationships are moving away from permanent commitments toward more flexible, stage-based partnerships shaped by real-world constraints.

Tax and Benefits: Relationship Status as a Financial Structure

In Canada, relationship status is not just personal—it directly affects financial outcomes. Marriage or common-law status can influence taxes, benefits, and overall financial planning.

The survey shows mixed awareness:
• 46% understand how relationships affect taxes
• 42% do not fully understand the impact

In reality, couples can access several financial advantages:
• Transfer of certain tax credits between spouses
• Spousal RRSP contributions to split income
• Eligibility for benefits such as the Canada Child Benefit, which is based on household income

As a result, more than half of respondents believe that couples have tax advantages compared to single individuals.

However, being single is not necessarily a disadvantage. Individuals retain full access to personal tax credits and, in some cases, may qualify for higher benefits when assessed on a single income basis.

Conclusion

The connection between marriage and money in Canada is becoming increasingly clear. As living costs rise and financial pressures intensify, relationships are being shaped not only by emotion, but by economic reality.

For many Canadians today, staying together is no longer just about love—it is also about survival in an increasingly expensive environment.