Divorce Settlement Calculator UK
Instant Estimate, No Sign-Up
Add your house, pensions, savings and debts to build your net asset picture, test different splits, and see how the result can become the start of your Form E. Free, for England & Wales.
Family Home (Equity)
Liquid Capital
Pensions (CETV)
Enter the formal Cash Equivalent Transfer Value (CETV), not a rough pension fund estimate.
Liabilities
Your Housing Need (optional)
Roughly what it would cost to rehouse yourself (and any children). We use this to test whether a split actually meets your needs.
Net Asset Snapshot
A Form E-style view of what is in the pot before you test a split.
Scenario Modeler
Your settlement report
A deeper read of the figures above — the same breakdown we email to you as a PDF.
Compare scenarios (your share)
Illustrative mechanics, not predictions. "Cash-equiv" discounts the pension so you can compare like for like.
Equal sharing (50 / 50)
The statutory starting point in England & Wales. The sharing principle treats marital assets as shared equally unless needs or other factors justify a departure.
Your modelled split (50 / 50)
The split you are testing with the slider, applied to both capital and pensions.
Needs-led illustration (capital-weighted)
A needs-led tilt: more capital to one party for housing, with pensions kept at 50/50. An illustration of the mechanics, not a prediction of any court outcome.
What can move the split from 50/50
A non-equal outcome is easier to discuss when it is tied to evidence on these factors.
What to double-check
The net position is not positive on these figures, so this model alone cannot decide who is responsible for the debts.
Get your full report
FreeA polished PDF — your pot, all three scenarios, the pension-offset point and a checklist of what to gather next. Emailed straight to your inbox.
These numbers are the start of your Form E.
We'll carry these settlement numbers across and save your progress.
Legal Disclaimer
This tool is for illustrative modelling only and is not legal advice. In England & Wales, a financial order can depend on factors such as children, earning capacity, property, living expenses, standard of living, needs, responsibilities, caring roles and health. A judge can approve, reject or change a proposed agreement.
Read full terms hereHow the Divorce Settlement Estimate Works
A divorce settlement calculator is useful only if it shows the moving parts clearly. The aim here is not to guess what a judge will do. It is to help you turn a loose conversation about "what is fair" into a concrete financial snapshot: what is in the pot, what debts reduce it, how much of the value is tied up in pensions, and whether a proposed split leaves enough capital for housing.
In England and Wales, the court does not apply a fixed formula. Equal sharing is an important starting point for matrimonial assets, but needs, children, earning capacity, health, housing, income, pensions and other circumstances can all move the outcome. That is why the calculator starts with the numbers, then lets you model different percentages rather than presenting one answer as an entitlement.
How the split is estimated
First, the calculator estimates property equity. It takes the current market value of the home, subtracts the outstanding mortgage, then subtracts estimated sale costs. If the result is negative, the shortfall is treated as a liability rather than an asset.
Next, it adds the other assets: savings, investments, crypto, business value and pension CETV figures. Then it deducts debts such as credit cards, loans and overdrafts. The result is the estimated net pot. From there, the slider applies your chosen percentage split, so you can compare 50/50 against 60/40, 40/60 or a needs-led alternative.
Pensions are shown separately because pension value is not the same as cash in the bank. A Cash Equivalent Transfer Value is still the normal starting figure for disclosure, but pension money is usually locked until retirement and taxed when drawn. The report also shows a rough cash-equivalent range for pension offsetting. This is a warning flag, not an actuarial valuation.
House Buyout Calculator
Focus just on the family home: equity, buyout lump sum and rough remortgage affordability.
House Equity & Property
Often the largest immediate asset. Enter value, mortgage and sale costs so the calculator can show equity.
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.
Form E divorce guidance
If this calculator helped frame the settlement numbers, the next step is financial disclosure. Read the full guide to filling in Form E yourself.
Worked example 1: short marriage, no children
Suppose the family home has £80,000 equity, there is £20,000 in savings, combined pension CETVs are £30,000 and there is £5,000 of joint debt. The estimated net pot is £125,000. A straight 50/50 model gives £62,500 each. In a short marriage with no children, that may be a useful neutral starting point, but it does not answer questions about pre-marital contributions, assets built up before the marriage, or whether both people can rehouse.
Worked example 2: long marriage, pension-heavy
In a longer marriage, pensions can dominate the picture. Imagine £180,000 of home equity, £25,000 of cash, £420,000 of pensions and £15,000 of debts. The raw net pot is £610,000, so 50/50 shows £305,000 each. But if one person keeps more of the house and the other keeps more pension, the cash position can feel very different. £100,000 of pension is not usually worth £100,000 of mortgage-ready capital today. That is why the calculator separates capital from pension and flags the offset issue.
Worked example 3: single-asset house case
Some couples have one real asset: the home. If the house is worth £350,000, the mortgage is £210,000 and sale costs are estimated at £8,000, the equity is £132,000. A 50/50 split gives £66,000 each. A 60/40 split gives one person £79,200 and the other £52,800. That difference might matter if one person is caring for children or needs a larger deposit, but the calculator cannot say whether the house should be sold, transferred, bought out, or kept until a later date.
What this cannot tell you
This is a modelling tool, not a legal entitlement calculator. It cannot decide what a judge would order, whether an inheritance should be ring-fenced, whether a business valuation is reliable, how tax affects a transfer, what mortgage each person can obtain, whether maintenance is needed, or whether a pension sharing order is better than offsetting. It also cannot detect hidden assets or check whether the figures are supported by documents.
Use the result as a first draft of the financial picture. Then replace estimates with evidence: property valuations, mortgage statements, bank statements, credit card balances, loan statements, business accounts and pension CETV letters. That evidence is what turns a rough settlement conversation into proper Form E disclosure.
These numbers are the start of your Form E
The calculator already groups your figures in a Form E-style way: property, liquid assets, pensions, debts and housing needs. If the estimate helped you make sense of the settlement, the next step is to save those figures and work through the disclosure form properly.
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