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Arkikahvila — Separation and divorce

Printed guide · arkikahvila.fi/separation · Checked 7/2026 — general guidance, not legal advice.

Separation and divorce — what to do and in what order

A separation is rarely just an emotional matter — it is also a series of practical and legal steps best handled in the right order. The good news: you do not have to justify a divorce, and your spouse cannot prevent it, and the most important things — the arrangements for the children and legal aid for those on a low income — can be handled free of charge. This page goes through how a separation proceeds, which things to handle in parallel (the separation itself, the children and the property) and where to get help at each stage.

If there is violence or the threat of violence behind your separation, safety comes before everything else. You do not have to sort out any papers or agree on anything with a violent partner before you are safe. A shelter is free and open around the clock, and you do not need a referral. Help and the nearest shelter: Nollalinja 080 005 005 (free, anonymous, 24/7). In immediate danger call 112. Read more below under "If there is violence in the background".
Matters concerning the children are agreed free of charge at the child welfare officer — custody, residence, contact and maintenance. A confirmed agreement is as valid as a court order. If your income is low, you get legal aid for the separation. You do not have to sort everything out at once: handle things on three tracks — the separation, the children and the property — one stage at a time.

How to proceed

  1. 1

    When the decision to separate has been made

    • If there is violence or the threat of violence in the background, deal with safety first (see the section above) — the other stages only after that
    • Consider family mediation — free help from the wellbeing services county, both for the relationship and for practical agreements
    • Agree on the children's matters at the child welfare officer (custody, residence, contact, maintenance)
    • Think about housing: who stays in the shared home and where the other moves
  2. 2

    Divorce application to the District Court (stage 1)

    • The application can be made alone or together — a 6-month reconsideration period begins
    • If you have lived apart continuously for over 2 years, no reconsideration period is needed
  3. 3

    During the reconsideration period

    • The division of property can be done straight away — you do not have to wait for the divorce to be finalised
    • Apply for a review of your benefits: housing allowance, the single-parent supplement to child benefit and the maintenance allowance
    • Report your new address and update your details with Kela, the bank and your insurers
  4. 4

    Stage 2: once the reconsideration period has run 6 months

    • Make the second-stage application — the District Court grants the divorce
    • Do it within 12 months of stage 1 at the latest — otherwise the whole process lapses and the divorce must be applied for again
  5. 5

    After the separation

    • Make sure the deed of division has been drawn up in writing — otherwise the marital right remains
    • Update your details: bank, insurers, the Tax Administration, Kela

If there is violence in the background — shelter and help

If there has been violence or the threat of violence in the relationship — physical, psychological, sexual, economic or stalking — safety comes before everything else. Violence is never the victim's fault, and responsibility always lies with the person who uses it. Violence usually does not stop on its own but tends to continue and get worse, so it is worth seeking help as early as possible.

Shelter

A shelter provides protection and crisis help when it is not safe to stay at home. It is free, open around the clock, and you do not need a referral — you can come on your own initiative, anonymously if needed, at any time of day and regardless of where you live. The shelter is meant for everyone: women, men and non-binary people, alone or with children. The staff also help with practical matters, such as a new home, a restraining order and a police report.

In a situation of violence, you are not obliged to mediate or agree things together with a violent partner. Tell the child welfare officer and the District Court about your safety concerns — ordinary family mediation is not done in situations of violence. You can apply for a restraining order from the police or the District Court.

Divorce: how it proceeds

A divorce is applied for from the District Court, and it is always granted — the reasons for the divorce are not examined, and the other spouse cannot prevent it. The process has two stages: first an application that starts the reconsideration period, and after the reconsideration period a second application by which the divorce is confirmed.

Stage 1: application and reconsideration period

The application is submitted to the District Court in either spouse's home locality — electronically in the MyCourt (OmaTuomioistuin) service or on a form via Suomi.fi Messages. The application can be made alone or together. From when it is submitted, a six-month reconsideration period begins: if you apply together, it starts from the date of submission, and if you apply alone, from when your spouse is served the application. The processing fee for stage 1 is 240 euros (2026).

Stage 2: confirming the divorce

Once the reconsideration period has run for six months, you make the second-stage application and the District Court grants the divorce. The second application must be made before a year has passed from stage 1 — otherwise the process lapses and the divorce must be applied for again. The fee for stage 2 is 115 euros. If you have lived apart continuously for at least two years (for example according to the Population Information System), you can apply for the divorce directly without a reconsideration period.

During the reconsideration period you are still officially married, but you may live where you wish. If you both want to stay in the shared home, the District Court can order one of you to move out. If the divorce becomes contested (over the children or over ending cohabitation), the matter goes to a hearing and the fee is higher, as in a civil dispute — then it is worth considering a lawyer, and legal aid if you are on a low income.

Cohabiting separation: what is different

Ending a cohabiting relationship requires no District Court and no application — it is enough that you move apart. Because cohabiting partners have no marital right to property, each keeps their own property as a rule, and it is not divided equally as in a divorce.

If one of you has, however, contributed clearly more to the shared household, they can claim compensation (the Act on the Dissolution of the Household of Cohabiting Partners). This applies to cohabiting partners who have lived together for at least five years or who have, or have had, a common child. In case of disagreement, you can apply to the District Court for an estate distributor to separate the property.

The children's matters are handled in a cohabiting separation exactly as in a divorce: custody, residence, contact and maintenance are agreed at the child welfare officer. The child's rights do not depend on whether the parents were married.

The children: custody, residence and contact

In the child's matters, four things are agreed: custody (joint or sole custody — custody means the right to decide on the child's affairs, not with whom the child lives), residence (with whom the child officially lives; alternating residence is also possible), right of contact (how and when the child sees the non-resident parent) and maintenance.

Do not use the children as a bargaining chip or a means of pressure against the other parent. It harms the child, turns against you, and can affect later decisions. The child has a right to both parents, even if your relations are inflamed.

If the other parent blocks contact (parental alienation)

The right of contact is above all the child's right to see the parent they do not live with. Neither parent may unilaterally decide on contact or block agreed meetings. The law reformed in 2019 obliges both parents to support the realisation of contact and to foster the child's close relationships — deliberately hampering the relationship between the child and the other parent (parental alienation) is regarded as psychological violence against the child.

Parental alienation means behaviour that hampers the relationship between the child and the other parent: for example repeatedly blocking meetings with excuses, speaking negatively about the other parent in front of the child, or putting the child in situations where they have to choose. At worst, the relationship breaks off completely. It affects either parent, regardless of gender.

What you can do

Bear in mind the other side too: the resident parent has the right not to hand over the child if a meeting would be dangerous for the child — for example if the non-resident parent is intoxicated or violent. Then the right path is not to block the meetings on your own, but to change the agreement and, if necessary, arrange supported or supervised meetings. A safety concern and parental alienation are different things.

You can get free help from a legal aid office (as a low-income person, state legal aid for the whole process) and from the child welfare officer. For resolving disagreements, there is also the District Court's expert-assisted mediation (Follo).

Child maintenance and maintenance allowance

Child maintenance is a sum of money that the parent with whom the child does not mainly live pays for the child's upkeep. The amount is based on the child's needs and each parent's ability to pay. Maintenance is agreed at the child welfare officer (who confirms the agreement) or, in a dispute, in the District Court.

Maintenance allowance is a safety net paid by Kela: if maintenance has not been confirmed, is not being paid, or has been confirmed below the maintenance allowance, Kela pays a maintenance allowance of 197.71 euros a month per child (2026). Apply for it from Kela in MyKela. If the liable parent does not pay the confirmed maintenance, Kela can pay the allowance and recover the sum from them.

Division of property and debts

In a divorce, property is divided in the division of matrimonial property: the spouses' net assets subject to the marital right are added together and split equally, unless a prenuptial agreement provides otherwise. The basis of the division is the day the divorce became pending — the property is valued according to the situation on that day. The division can be done as soon as the divorce is pending; you do not have to wait until the divorce has been confirmed.

If you cannot agree on the division, the District Court can appoint an impartial estate distributor to carry it out. Note the new time limit: from 1 June 2026, claims on the former spouse's property must be made within ten years. Always make the division as a written deed of division — if a division is not made, the marital right remains for the former spouse, which causes problems, for example later in the event of death.

Both of you remain liable to the creditor for joint debts even after separating. In the division you can agree between yourselves who bears which debt, but that does not release you from the creditor's claims — the bank can still recover the whole joint loan from either of you. If debts are a problem, see the enforcement FAQ page and the Money when times are tight guide.

Support after separating

A separation often leads to a collapse in income when the costs of one household fall on one person. Check your benefits straight away — many of them have to be applied for yourself and do not come automatically:

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If money is tight in general, the Money when times are tight guide goes through legal options, and in an acute emergency the Emergency help page helps right away.

Where to get help

There is more free help than many people know. Family mediation (the wellbeing services county's social services) helps both with relationships and with sorting out practical matters. The child welfare officer confirms the agreements about the children free of charge. A legal aid office gives free initial advice, and as a low-income person you can get state legal aid for the whole process. Financial and debt counselling helps if there are problems with your finances.

For practical letters, ready-made templates are on the letter templates page, for example for changes of address and for ending contracts.

Apua eroon (Divorce help) Anonymous chat and nationwide separation-help contacts in one place. Also in English apuaeroon.fi/en
Federation of Mother and Child Homes and Shelters Divorce in the family, peer support groups, shelters ensijaturvakotienliitto.fi
Kasper – Parenting and family counselling Peer support groups for parents and separation groups for children suomenkasper.fi
Miessakit ry – Erosta Elossa Nationwide support for men in processing and getting through a separation miessakit.fi
Yhden Vanhemman Perheiden Liitto (single-parent families) Advice and peer support for single-parent families yvpl.fi
Isät lasten asialla Peer support for non-resident parents, e.g. on parental alienation and contact isatlastenasialla.fi
MIELI – Crisis Helpline Support in English: 09 2525 0116 (limited hours); in Finnish around the clock 09 2525 0111 09 2525 0116
Mielenterveystalo – Divorce crisis self-help Free self-help programme for a crisis caused by separation mielenterveystalo.fi

Important contact details gathered together

Nollalinja Violence or the threat of violence — free and anonymous, 24/7. Also guides you to the nearest shelter 080 005 005
Emergency number Immediate danger 112
Your own wellbeing services county Child welfare officer and family mediation — free search online: [name of your county] + child welfare officer
District Court / MyCourt Divorce application electronically or on a form oikeus.fi
Suomi.fi – Separation guide Official step-by-step guide (also in English via the language selector) suomi.fi/oppaat/ero
Parenting plan (THL) Print and fill in before meeting the child welfare officer thl.fi
Digital and Population Data Services Agency (DVV) Notification of move and restoring your surname after separation dvv.fi
Legal aid offices Free initial advice, state legal aid for those on a low income oikeus.fi
Kela Maintenance allowance, single-parent supplement to child benefit, housing allowance — MyKela kela.fi
Financial and debt counselling Free help if debts or finances are in a tangle oikeus.fi

Did you spot an error or is something missing?

Tell us anonymously if you spotted an error on the page or if something is missing. Practices, fees and deadlines may change — we check every report and correct the page. Your message is not published, and no information about the sender is saved.

This is general guidance, not legal advice. The details of a separation — especially the division of property, debts and the children's matters — can be complex and vary from case to case. Check your own situation with a legal aid office, the child welfare officer or family mediation. The information on fees and amounts is for 2026. If there is violence in the background: Nollalinja 080 005 005 (free, 24/7) and shelters can help; in immediate danger call 112. Other free help: legal aid offices (oikeus.fi), your wellbeing services county's child welfare officer and family mediation, and financial and debt counselling. Nothing you read here is saved.

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