Divorce Settlement Calculator

Calculate equitable division of marital assets and debts. Separate marital from individual property.

Assets

$
Type
$
Type

Debts

$
Type
Division Split

Net Marital Estate

$270,000.00

Party 1 Share

$135,000.00

Party 2 Share

$135,000.00

Estate Summary

Total Marital Assets$470,000.00
Total Separate Assets$0.00
Total Marital Debts$200,000.00
Total Separate Debts$0.00
Net Marital Estate$270,000.00
Party 1 (50%)$135,000.00
Party 2 (50%)$135,000.00

Use the Divorce Settlement Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

A Divorce Settlement Calculator estimates fair financial division during divorce, including assets, debts, and spousal support. It helps both parties understand potential outcomes, facilitating negotiations and aiming for an equitable resolution without prolonged litigation.

Calculators typically use state-specific guidelines or common legal frameworks, often considering factors like income, length of marriage, contributions to the marriage, and future earning potential. While not legally binding, they apply formulas to estimate asset distribution, debt allocation, and spousal maintenance amounts.

Always consult with a legal professional; online calculators provide estimates, not legal advice. Common mistakes include underestimating future expenses, neglecting tax implications of asset division, or not fully disclosing all assets and liabilities.

Example: 15-Year Marriage with Children

  1. 1 Input: Married 15 years, two minor children. Husband's annual income $120,000, Wife's annual income $40,000. Marital home equity $300,000, joint savings $50,000, retirement accounts $200,000. Joint debt $30,000 (car loan).
  2. 2 Calculation applies a 50/50 community property split for assets and debts, and a spousal support formula based on income disparity and marriage length. Child support is calculated separately using state guidelines.
  3. 3 Result: Marital home equity split $150,000 each. Joint savings $25,000 each. Retirement accounts divided $100,000 each (potentially through a QDRO). Joint debt split $15,000 each. Estimated spousal support of $2,000/month for 7 years to the wife, plus child support based on state guidelines.
  4. 4 Takeaway: This calculator provides a preliminary financial picture, showing potential division of assets and ongoing support obligations. It highlights the need for detailed valuation of all assets and debts, and the importance of professional legal advice for a final, legally sound agreement.

Source: U.S. Courts (uscourts.gov) · Last updated: April 2026

Frequently Asked Questions

How are assets divided in a divorce?
Most states follow equitable distribution (fair but not necessarily equal split). Nine community property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI) split marital assets 50/50. Only assets acquired during the marriage are divided; premarital assets generally remain separate.
Is my 401(k) split in a divorce?
Yes. The portion of 401(k) or pension benefits earned during the marriage is typically considered marital property. A Qualified Domestic Relations Order (QDRO) is needed to divide retirement accounts without early withdrawal penalties or taxes.
What about the house in a divorce?
Common options: one spouse buys out the other's equity share, the home is sold and proceeds are split, or one spouse keeps the home in exchange for other assets of equal value. The mortgage must also be addressed, typically through refinancing.

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