Divorce Settlement Calculator (UK)
Add up everything on the table — property, savings, pensions and debts — and see what a given split actually looks like for each of you.
Your details
A realistic sale price, not the optimistic one. Estate agents will give this free.
The redemption figure from your lender, including any early repayment charge.
Cash, ISAs, premium bonds and investments held by either of you.
The total transfer value of every pension in your name, including old workplace ones.
The same for your spouse. If you do not know, this is precisely what disclosure is for.
Loans, credit cards and car finance in either name — not the mortgage.
Equal division is the usual starting point, but need — particularly housing children — can move it well beyond half.
Your results
Your figures appear here as you fill in your details.
This calculator is for educational purposes only and does not constitute financial or legal advice. It gives a rough sense of scale to help you ask better questions, not a settlement figure. Speak to a solicitor and a qualified financial adviser before agreeing anything.
How this works
Everything either of you owns goes into one pot, and the split is applied to the whole thing rather than asset by asset.
- Equity in the family home is the value less the mortgage.
- Total pot is that equity, plus savings and investments, plus both of your pensions, less any other debts.
- Your share is the percentage you set, applied to the total.
- If you keep the home outright compares your share against the equity alone. A positive figure means you are still owed money from elsewhere — usually savings or a share of a pension. A negative figure means the house alone is worth more than your share, which is what people are describing when they talk about offsetting.
The reason pensions are included by default is that leaving them out is the most common and most expensive mistake in an informal settlement. Where the held in pensions figure is high, an agreement covering only the house and the savings is not an equal one, whatever percentage it appears to use.
Assumptions
- Equal division is a starting point in England and Wales, not an entitlement. Courts weigh the needs of any children first, then income, earning capacity, contributions and the length of the marriage. Scotland works differently again, generally counting only assets built up during the marriage.
- A CETV can substantially understate a defined benefit or public sector pension. See the pension offsetting calculator for why, and treat any figure here that relies on one as provisional.
- Pension money and cash are not equivalent pound for pound: pension income is taxable and cannot usually be touched before 55 (57 from April 2028).
- The figures ignore the costs of selling and moving, capital gains tax on second properties, and any inherited or pre-marital assets, which may be argued to sit outside the pot.
- Nothing here accounts for spousal or child maintenance, which is about income rather than capital.
Last updated . Figures are UK-specific — check current rates on GOV.UK before acting.