Divorce Settlement Calculator

Calculate equitable division of marital assets and debts. Separate marital from individual property.

By Konstantin Iakovlev · Updated September 2026 · Source: IRS Publication 504 — Divorced or Separated Individuals

Assets

$
Type
$
Type

Debts

$
Type
Division Split

Net Marital Estate

$270,000.00

Party 1 Share

$135,000.00

Party 2 Share

$135,000.00

Estate Summary

Total Marital Assets$470,000.00
Total Separate Assets$0.00
Total Marital Debts$200,000.00
Total Separate Debts$0.00
Net Marital Estate$270,000.00
Party 1 (50%)$135,000.00
Party 2 (50%)$135,000.00

Use the Divorce Settlement Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute legal advice. Results are estimates based on the information you provide and the rules described on this page. Consult an attorney licensed in your state for advice specific to your situation.

How It Works

A Divorce Settlement Calculator estimates how the marital assets and debts would be divided in a divorce. It helps both parties understand potential outcomes, facilitating negotiations and aiming for an equitable resolution without prolonged litigation.

This one works from a list you build. You enter each asset and debt and tag it Marital or Separate. The calculator subtracts marital debts from marital assets to get the net marital estate and splits it 50/50, 60/40 or by a custom percentage for Party 1. Separate assets and debts are totaled for reference but not divided. It does not calculate spousal or child support; the alimony and child support calculators cover those.

Always consult with a legal professional; online calculators provide estimates, not legal advice. Common mistakes include underestimating future expenses, neglecting tax implications of asset division, or not fully disclosing all assets and liabilities.

Example: Splitting a $520,000 Marital Estate

  1. 1 Input, all marked Marital: home equity $300,000, joint savings $50,000 and retirement accounts $200,000 as assets, and a $30,000 car loan as a debt.
  2. 2 Net marital estate: $300,000 + $50,000 + $200,000 − $30,000 = $520,000.
  3. 3 Split: at 50/50 each party's share is $260,000. At 60/40 Party 1 gets $312,000 and Party 2 $208,000.
  4. 4 The calculator stops at the net shares. Deciding who keeps the house, dividing a 401(k) through a QDRO, and any spousal or child support are separate steps, which the alimony and child support calculators estimate.

Source: IRS Publication 504 — Divorced or Separated Individuals · Last updated: September 2026

Frequently Asked Questions

How are assets divided in a divorce?
Most states follow equitable distribution (fair but not necessarily equal split). The nine community property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI) treat property acquired during the marriage as owned by both spouses; California must divide it equally, while Texas divides it in a way the court deems just and right. Only assets acquired during the marriage are divided; premarital assets generally remain separate.
Is my 401(k) split in a divorce?
Yes. The portion of 401(k) or pension benefits earned during the marriage is typically considered marital property. A 401(k) or pension is divided with a Qualified Domestic Relations Order (QDRO), and the former spouse can roll the share into an IRA tax-free. An IRA needs no QDRO: a transfer under the divorce decree is not a taxable transfer.
What about the house in a divorce?
Common options: one spouse buys out the other's equity share, the home is sold and proceeds are split, or one spouse keeps the home in exchange for other assets of equal value. The mortgage must also be addressed, typically through refinancing.

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