Divorce Financial Planner

What the Tool Covers

Twelve calculators. One guided flow. Your complete divorce financial picture.

The Divorce Financial Planner walks you through your situation step by step, showing only the calculators relevant to your circumstances. Every result updates in real time as you adjust your inputs, so you can model different scenarios and understand the financial implications of each choice before you commit to anything.

Asset and debt division Enter every marital asset and debt — home equity, retirement accounts, bank and investment accounts, vehicles, business interests — and model different split scenarios. See exactly what each spouse walks away with under a 50/50 split, a 60/40 split, or any arrangement you want to explore. Adjust the slider and watch the numbers update instantly.

Home decision analysis Keep the house or sell it? This is the most emotionally charged decision in most divorces and the one most likely to be made badly. The tool models your refinance affordability, calculates your debt-to-income ratio against lender thresholds, estimates your net proceeds if you sell, and shows you the five-year equity trajectory either way. The math tells you what the emotion cannot.

Spousal support estimator State-specific guidelines for eight states including Georgia, California, Florida, New York, Texas, Illinois, Washington, and a general model for all others. Enter both incomes, years married, earning capacity, and support type. The tool estimates monthly support, duration, and total payout — including the post-2018 TCJA tax treatment most people do not know about.

Retirement and QDRO analysis Model the division of 401k, 403b, IRA, defined benefit pension, and military pension accounts. See the present value of your share, the projected future value at retirement, and the true cost of taking an early distribution versus holding until retirement age. Each account type includes plain-English guidance on the rules that apply.

Social Security benefit analyzer One of the most overlooked assets in divorce. If your marriage lasted ten or more years you may be entitled to claim up to 50% of your former spouse's Social Security benefit — independently of whatever they receive. The tool calculates your eligibility, compares your own benefit to the spousal benefit, and projects the lifetime value difference. This single calculation has surprised more clients than any other.

Tax filing impact Divorce changes your filing status, your standard deduction, and your tax bracket — often adding thousands in annual taxes that most people never anticipate. The tool models your federal and state tax liability as married versus divorced, accounts for head of household status if children are involved and shows you the annual tax cost of the transition.

Liquid versus illiquid asset tradeoff Many people win the house and end up cash poor. This calculator shows what percentage of your settlement is actually accessible — liquid cash and investments versus home equity and locked retirement funds — and flags the risk if you do not have enough liquidity to cover your emergency fund and first-year expenses.

Business valuation estimator If either spouse owns a business, that is often the most contested asset in the settlement. The tool uses an earnings-based multiple approach by business type — service, retail, technology, and real estate — to establish a starting point for negotiation before engaging a forensic accountant.

Post-divorce budget builder What does your life actually cost as a single-income household? Enter your take-home pay, housing costs, utilities, food, transportation, insurance, debt payments, and other expenses. The tool shows your monthly surplus or deficit and flags if your proposed settlement leaves you with insufficient income to cover your obligations.

Rental property analyzer Own investment property together? Model all five scenarios — keep it, sell it, short-term rental, mid-term rental, or long-term rental — with a side-by-side five-year return comparison that accounts for capital gains tax, depreciation recapture, cash flow, and appreciation.

Life insurance needs calculator If spousal support or child support is part of your settlement, courts often require life insurance to secure those obligations. This calculator estimates the coverage amount needed and frames the ongoing cost as part of your settlement planning.

Debt responsibility model Who takes which debts matters as much as who takes which assets. This calculator shows the cash flow and credit impact of different debt assignments so you understand the full picture of what you are agreeing to.