Divorce Settlement Calculator
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 share at 50%
£256,000
- Equity in the family home
- £200,000
- Pensions on the tableBoth of your pensions combined.
- £300,000
- Total potProperty equity plus savings plus pensions, less other debts.
- £512,000
- Their share
- £256,000
- Held in pensionsMost of the wealth here is in pensions. A settlement that splits only the house and savings would not be an equal one.
- 59% of the pot
- If you keep the home outrightYou would still be owed this much from savings or a pension share.
- £56,000 still due to you
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.