Divorce is complex — dividing assets shouldn't add guesswork. The Free Divorce Property Settlement Calculator by CostofLaw helps U.S. residents estimate fair division of marital property and debts instantly, with built‑in rules for every state. No login, no legal jargon, just clarity.
Automatically adapts to community property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI) and equitable distribution for all others. Includes Wisconsin’s opt‑in rule.
Real estate, retirement (401(k)s), brokerage, personal property, secured & unsecured debts. Flag separate property (inheritances) to exclude from marital estate.
Adjust split (0–100%) and see real‑time bar chart. Fine‑tune scenarios before negotiation.
Total assets, debts, net estate, individual allocations, separate property. One‑click copy for attorneys or advisors. “Start over” resets instantly.
Select your state from the dropdown (California default). The tool shows your state’s property system and a brief note.
Input marriage duration via slider (0–40 years). In equitable distribution states, length may influence fairness — though calculation remains asset‑based.
Add assets & secured debts – start from pre‑filled examples (family home, retirement). Enter description, market value, secured debt, and check “separate” if needed. Click “+ Add another asset” for vehicles, business interests, etc.
Enter unsecured joint debts – total credit cards, personal loans, medical bills in one field.
Set division preference – slider adjusts percentage split (default 50/50). Bar chart updates instantly.
Calculate & review results – view marital estate summary, party allocations, separate property. If net estate negative, a warning advises consulting an attorney about debt responsibility.
Optional: “Start over” or “Copy asset division summary” (privacy‑safe, all local).
A couple in Texas (community property) inputs home $520k value / $280k mortgage, joint brokerage $130k, $15k credit card debt. 50/50 split gives a clear baseline, avoiding disputes over “fair.”
15‑year marriage: 401(k) $180k, condo $310k value / $120k loan, separate inheritance $200k. Testing 55/45 split helps set realistic expectations before meeting attorney.
Assets $450k but debts $300k → net estate $150k. The warning prompts consultation about debt responsibility in community property state.
After settlement, verify final numbers align with calculator’s estimates to ensure consistency with state rules.
State: Florida (equitable distribution) · Marriage: 10 years
Assets: Family home $600k / $300k mortgage · Party 1 401(k) $200k · Party 2 brokerage $100k · Inheritance (Party 1) $150k (separate)
Debts: $20k joint credit card debt
Split: 50/50
Calculator results: Total marital assets $800k (excl. inheritance) · marital debts $320k · net marital estate $480k · Party 1 allocation $240k · Party 2 allocation $240k · separate property $150k · total gross assets $950k.
Outcome: Negotiated settlement: Party 1 keeps 401(k) ($200k) + $40k from brokerage; Party 2 keeps remaining brokerage $60k and home (with mortgage). Clear breakdown avoided litigation.
No. It provides educational estimates only. Courts or mutual agreement determine final division. Always consult a licensed family law attorney.
Community property = equal (50/50); equitable distribution = “fair” based on factors like length, income. Calculator matches your state's framework.
Business assets can be added as custom asset (value & secured debt). Alimony/spousal support is not included – discuss with attorney.
Use the state where divorce is filed (primary residence). For cross‑state assets, attorney can address specific rules.
Check “Separate/non-marital property” box per asset (e.g., inheritances, pre‑marital gifts). They are excluded from marital division.
Debts exceed assets. The calculator advises consulting an attorney to clarify debt responsibility — critical in both community property and equitable distribution states.
Yes: click “Copy asset division summary” and paste into a document. Calculations are local – nothing stored on our servers.