Estimate how marital assets, debts, alimony, and child support get divided in a divorce. Free divorce settlement calculator. Not legal advice.
A divorce settlement is more than just splitting assets 50/50 — it includes marital property division, debt allocation, spousal support (alimony), child support, and retirement account splits via QDRO. Equitable distribution states weigh each spouse's income, contributions, and future needs, while community property states default closer to a clean split. This calculator gives you a planning estimate. Final numbers are set by the court or your settlement agreement. Not legal advice.
A typical settlement covers: marital assets (home equity, vehicles, savings, investments, business interests), marital debts (mortgages, credit cards, loans taken during marriage), retirement accounts split via QDRO (401k, pensions, IRAs), spousal support based on income gap and length of marriage, child support per state guidelines, and health insurance continuation. Separate property — assets owned before marriage or received as inheritance — usually stays with the original owner if kept separate.
41 states use equitable distribution: assets divided 'fairly' based on income, length of marriage, custody, and each spouse's contributions — not necessarily 50/50. 9 community property states (CA, TX, AZ, NV, WA, ID, LA, NM, WI) treat most marital assets as 50/50 by default. Either way, the higher earner usually pays some combination of alimony and child support, and the lower earner often keeps more liquid assets to offset the income gap.
Most states use a formula based on income difference and length of marriage. Typical guideline: 30-35% of the higher earner's income minus 20-25% of the lower earner's income, capped so the recipient doesn't exceed 40% of combined income. Duration is usually 30-50% of the marriage length for marriages under 20 years, and potentially indefinite for marriages over 20 years. Each state has its own formula — California, New York, and Illinois publish official calculators.
Three common outcomes: 1) Sell and split the equity — cleanest option. 2) One spouse buys out the other by refinancing and paying half the equity. 3) Defer sale until kids graduate (Mesher order in some states). Keeping the house requires qualifying for a new mortgage on one income — many spouses underestimate this. The parent with primary custody often gets first option to keep the home if affordable.
Yes — the marital portion of 401k, pension, and IRA accounts is divisible. Contributions made during marriage are marital property regardless of whose name is on the account. Splitting a 401k or pension requires a Qualified Domestic Relations Order (QDRO) — a separate court order sent to the plan administrator. IRAs split via 'transfer incident to divorce' — no QDRO needed. Skipping a QDRO is one of the most expensive mistakes in DIY divorces.
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The Divorce Settlement Calculator — Estimate Your Asset Split uses the same formulas, rates, and reference data that financial planners, professionals, and government sources publish. Results are estimates intended for planning and education — for situations involving large sums or legal consequences, confirm with a qualified professional before acting.
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