Visualize your financial
separation & settlement.
See how assets, pensions, and debts might be split. Move beyond the "dumb" 50/50 calculator and understand your true capital vs. pension position.
Family Home (Equity)
Liquid Capital
Pensions (CETV)
*Enter the Cash Equivalent Transfer Value (CETV). Future income value may differ.
Liabilities
Scenario Modeler
Insight Analysis
The court uses 50/50 as a starting point. However, if £0 of liquid capital isn't enough to buy a new home, you may be entitled to more.
We’ll carry these numbers across and save your progress.
Legal Disclaimer
This tool is for illustrative purposes only. In England & Wales, the starting point is the "sharing principle" (50/50), but the final order is determined by "Needs" (Section 3 of Form E), fairness, and the welfare of any children under 18. This calculator does not constitute legal advice and should not be relied upon for court orders.
Read full terms hereMastering Your Divorce Financial Snapshot
What is a Financial Snapshot?
A specific, clear picture of your finances is the single most important document in your divorce. In legal terms, this is often called your "Form E" disclosure. Without it, you are negotiating in the dark.
Our calculator helps you build a preliminary Financial Snapshot—a clear visualization of the "Matrimonial Pot." This isn't just a list of numbers; it's the total value of your marriage's assets, including property, savings, and critically, pensions.
What Goes Into the Pot?
When calculating your settlement, the court looks at three main pillars. You should enter these into the calculator above to see your true split.
House Equity & Property
Often the largest liquid asset. It's not just the market value, but the equity—value minus mortgage.
Pensions (CETV)
You cannot just use the "fund value". You need the Cash Equivalent Transfer Value (CETV).
Assets vs. Debts Analysis
The "Pot" is the net total. Deduct marital debts to see what is actually available for division.
Is This an "Entitlement" Calculator?
No. Use this tool as a Scenario Modeler, not a judge.
In England & Wales, the starting point is a 50/50 split. However, the final order is determined by "Needs". If one party is the primary carer, they might need 60% of liquid assets for housing.
- ✓Use the 50/50 Toggle to see the starting point.
- ✓Use the 60/40 Toggle to model a "Needs-based" departure.
Why "Offsets" Matter
A common negotiation tactic is "offsetting"—where one party keeps the house (for stability) in exchange for the other keeping their pension. This calculator visualizes that trade-off instantly.