Form E Example: Completed Sample Answers, Section by Section

This Form E example shows what a completed financial statement can look like. It follows one entirely fictional person through the current 30-page Form E (01.23), including property equity, bank accounts, debts, pensions, annual income, monthly needs and the documents that support each answer.

Use it to understand the level of detail, calculation and cross-checking expected. Do not copy the names, figures or wording into your own form. Your Form E must disclose your own circumstances fully, frankly and clearly. This guide covers England and Wales and was checked against the official form on 11 June 2026. It is general information, not legal advice.

How to use this completed Form E example

If you want to see the finished article first, view a complete sample Form E PDF — a full watermarked 31-page example in the official HMCTS layout — then come back for the section-by-section reasoning below.

People searching for a completed Form E often want to know how much detail belongs in each box. The useful lesson is not the fictional number itself, but the method behind it:

1. Answer the exact question. Do not use a nearby box to avoid a difficult disclosure.
2. Identify the source and date. For example, say whether a property figure comes from a valuation or your own realistic estimate.
3. Show the calculation. Equity, joint interests and annual totals should be traceable.
4. Attach the required evidence. The form specifies documents for property, accounts, investments, businesses, pensions and income.
5. Keep every section consistent. Child maintenance mentioned in Part 1 should also appear in income. A pension in the capital summary must have a pension entry behind it.

Where a question genuinely does not apply, the first page of Form E says to write “N/A”. Leaving a box blank creates uncertainty about whether it was missed.

The fictional case used in this Form E example

Alex Morgan is a fictional 42-year-old operations manager. Alex and their spouse married in August 2012 and separated in September 2025. Their two children, aged 12 and 9, live mainly with Alex. Alex remains in the jointly owned family home and receives voluntary child maintenance.

All names, dates, addresses, account details and values below are invented. The example deliberately uses a relatively straightforward employed case. Self-employment, trusts, companies, overseas assets, disputed ownership, unusual pensions or complex tax issues require more tailored work.

Part 1 example: general information

Part 1 is factual, but it should still connect with the rest of the form. Alex would enter the actual court details and then answer the personal questions along these lines:

Part 2 example: financial details

Part 2 is the largest section. It covers capital and income across ten sub-parts, followed by the capital and income summaries. The totals below are designed to reconcile exactly.

2.1 Family home example

Alex and their spouse are registered joint owners in equal shares. A local agent valued the home at £420,000 on 22 May 2026. The mortgage statement dated 31 May 2026 shows £186,500 outstanding. Fictional sale-cost estimates total £8,400, based on written estate-agent and conveyancing estimates rather than a generic percentage.

A suitable answer in the ownership box would be: “The property is registered in the joint names of Alex Morgan and Jordan Morgan. I understand our legal and beneficial interests to be equal. I do not contend that the Land Registry ownership differs from the true position.”

If ownership or beneficial shares are disputed, do not copy that sentence. State your actual position and the basis for it, and consider legal advice.

2.2 Other property

Alex has no interest in any other land or buildings, including overseas property. The answer is N/A and Total B is £0.

2.3 Bank and savings accounts

Form E asks for every personal bank, building society and National Savings account held at any time in the previous 12 months, including joint, overdrawn and closed accounts. Alex's sample table is:

Use account numbers in the form and documents, but do not publish them in a public example. The closing balance of a joint account is not automatically the value of your personal interest; explain the share used.

2.4 to 2.8 Other personal assets

• Investments, C2: cash ISA £8,750 and employer shares £2,400, giving £11,150.
• Life policies, C3: one term-assurance policy with no surrender value, giving £0. The policy is still identified because section 2.5 includes policies without a surrender value.
• Money owed to Alex, C4: confirmed former energy-account refund of £210.
• Cash above £500, C5: £800 held as household emergency cash, with location and currency stated.
• Belongings individually worth more than £500, C6: car £9,500 and watch £1,200, giving £10,700.

Total C therefore equals £15,850 + £11,150 + £0 + £210 + £800 + £10,700 = £38,710.

2.9 and 2.10 Liabilities and Capital Gains Tax

Alex lists a sole credit card balance of £2,180, a personal loan of £6,700 and a store card with a nil balance. The mortgage is not repeated here because it is already included in the home calculation. The form also says not to repeat overdrawn bank accounts as liabilities.

• Total D1 liabilities: £8,880.
• Total D2 estimated Capital Gains Tax: £0 in this fictional example.
• Total D: £8,880.

“No tax expected” should be an informed estimate, not a guess. Get tax advice where property, shares, businesses or other disposals may create a liability.

2.11 and 2.12 Business interests and directorships

Alex is not self-employed, has no partnership or company interest, and has not been a director in the last 12 months. Sections 2.11 and 2.12 are marked N/A, with Total E at £0.

2.13 Pensions

Alex has two defined-contribution arrangements. Each pension needs its own page or continuation entry, with the provider, reference, scheme type, valuation date, whether it is in payment and the cash equivalent figure.

If a cash equivalent is not yet available, the official form asks for the estimated availability date and a copy of the request to the pension provider or administrator. Do not invent a pension value to make the form look complete.

2.14 Other assets

Alex has no trust interest, share options, assets held by another person, foreseeable inheritance or other asset not already disclosed. The answer is N/A and Total G is £0.

Completed capital summary example

Section 2.20 pulls the capital totals together. Alex's completed summary is:

This is Alex's capital disclosure, not the combined marital asset pool and not a proposed settlement. Each party completes a separate Form E about their own financial circumstances.

Income example: sections 2.15 to 2.21

Alex's P60 shows gross employment income of £51,200 for the previous financial year, including a £2,000 non-guaranteed bonus. The current basic salary is £49,200. Based on the current payslips, Alex estimates net employment income of £37,440 for the next 12 months.

• H, employment: £37,440 net for the next 12 months.
• I, self-employment or partnership: £0.
• J, investment income: £180 savings interest expected over the next 12 months.
• K, state benefits: £0 received by Alex in this fictional example.
• L, other income: £6,000 child maintenance, based on £500 per month.

The section 2.21 annual income total is therefore £43,620. Its monthly equivalent is £3,635, which is useful for comparing the annual income summary with the monthly budget in Part 3.

Part 3 example: income and capital needs

Form E allows weekly, monthly or annual income-needs figures, but says not to mix periods. Alex uses monthly figures throughout. Household items that also benefit the children are included once in Alex's household needs; only separate child-specific expenses are placed in the children's column.

Compared with average monthly income of £3,635, the example shows a £385 monthly shortfall. This does not determine the outcome; it simply makes the stated budget and available income arithmetically transparent.

Capital-needs example

Alex identifies a gross future housing need of £365,000 using three current listings for suitable three-bedroom homes near the children's schools, plus £8,000 estimated purchase and moving costs and £4,000 for essential initial work. Total capital need is £377,000.

A capital-needs figure is not automatically an amount the other person must provide. The evidence should show what is needed, while the wider case considers both parties' resources, borrowing ability and circumstances.

Part 4 example: other information

4.1 Significant changes

Last 12 months: “On 18 December 2025 I paid £6,000 from my sole savings account for urgent roof repairs to the family home. The payment appears in the December bank statement and the contractor's invoice is attached as an explanatory document.”

Next 12 months: “My £2,000 gross bonus in the last financial year was discretionary and is not guaranteed. It has therefore been excluded from my estimated employment income for the next 12 months. I am not aware of any other significant expected change.”

4.2 Standard of living

A concise sample answer is: “During the marriage we had a moderate standard of living funded mainly from employment income. We lived in a three-bedroom mortgaged home, used state schools, ran two ordinary cars and usually took one UK holiday each year. We did not employ domestic staff or maintain a second home.”

4.3 Contributions

Alex's neutral example says: “Both parties contributed through paid work, childcare and household responsibilities. I do not rely on any separate financial contribution beyond those ordinary family contributions.” If you rely on a specific contribution, identify who made it, when, the amount where relevant and why it should be considered.

4.4 Conduct

Alex writes “N/A: no conduct is relied upon.” The form itself says conduct is taken into account only in very exceptional circumstances. This box is not a general account of why the relationship ended.

4.5 and 4.6 Other circumstances and a new partner

Alex notes the children's need for stable housing near their schools and the September 2026 secondary-school transition. Alex has no known redundancy, inheritance or retirement event, no relevant agreement, and no new partner whose circumstances need to be disclosed.

Part 5 example: order sought

This is the least suitable section to copy from another person's Form E. It asks what orders you want the court to make, including the treatment of the family home, maintenance, clean break, pensions and property. Those choices can have lasting legal and financial consequences.

Where the appropriate order is uncertain, the form permits you to indicate the broad orders sought if you cannot yet be specific. Get legal advice before committing to a position where there are pensions, maintenance claims, disputed ownership, business assets, trusts, overseas assets or significant differences in earning capacity.

Example schedule of documents

The final schedule records whether each required document is attached, not applicable or to follow. Alex's core schedule would look like this:

Alex also lists the roof-repair invoice as an additional explanatory document. Extra attachments should have a purpose and should be labelled so the reader can connect them to the relevant paragraph.

Weak and strong Form E sample answers

Final checks before signing Form E

1. Recalculate C1 to C6 and totals A to L. The figures copied to the summaries must match the detailed entries.
2. Check annual versus monthly figures. Income totals H to L cover the next 12 months; Part 3 can use weekly, monthly or annual needs but cannot mix periods.
3. Trace every figure to evidence. Note the statement, valuation, payslip or estimate behind it.
4. Search for missing accounts and pensions. Include dormant, joint, closed and small interests where the form asks for them.
5. Explain significant changes. Large transfers, asset disposals, bonuses, redundancy or expected changes should not appear without context.
6. Use N/A deliberately. Do not leave unexplained blank boxes.
7. Review the document schedule. Mark each item attached, not applicable or to follow accurately.
8. Read the statement of truth. Sign only after checking that the disclosure is full, frank, clear and accurate.

For a field-by-field explanation alongside this worked example, use the complete guide to filling in Form E. For the evidence list, see the Form E documents checklist. You can also download the current official Form E template.

Frequently asked questions about Form E examples

Is there an official completed Form E example?

The current HMCTS Form E publication page provides the blank form and official notes, but does not list a completed sample Form E. Use examples to understand structure only and check every answer against the official form and your own evidence.

Can I copy answers from a completed Form E example?

No. You can follow the method, such as identifying the source of a valuation or showing an equity calculation, but the facts, figures and legal position must be your own.

What does a completed Form E look like?

It is the 30-page Form E with every applicable box answered, N/A used where appropriate, continuation sheets where needed, a completed document schedule, supporting evidence and a signed statement of truth. You can view a watermarked sample Form E PDF to see the finished layout page by page.

Do I need to answer every box on Form E?

You should work through every question. The form says to write N/A where a box is not applicable. Do not leave a box blank merely because the answer is zero, unknown or still being obtained.

What balance should I use for a bank account?

Section 2.3 asks for the balance at the date of the financial statement and the current value of your interest. It also requires statements covering the previous 12 months for each relevant account.

What if my pension cash equivalent has not arrived?

Give the estimated date it will be available and attach a copy of the request sent to the pension provider, administrator or PPF Board, as applicable. Do not create an unsupported substitute value.

Should Form E income needs be monthly or annual?

You may use weekly, monthly or annual figures, but the form says to state which period you use and not to combine periods. This example uses monthly figures throughout Part 3.

Do both people complete the same Form E example?

No. Each person completes and exchanges a separate Form E about their own financial and other relevant circumstances. The two forms can then be compared and questions raised where information is missing or inconsistent.

Can a sample Form E tell me what order to ask for?

No. Part 5 is case-specific. The treatment of the home, maintenance, clean break, pension sharing and other orders depends on the facts and can require legal advice.

Official sources checked

• HMCTS Form E publication page on GOV.UK
• Official Form E Financial statement (01.23)
• Official Form E Notes for guidance (01.23)
• Practice Direction 9A: applications for a financial remedy