New York Divorce Settlement & Maintenance Calculator
Free New York maintenance calculator and settlement projection. Estimate maintenance, child support, and property division — then see if your settlement sustains your lifestyle through retirement. Takes under 3 minutes.
Calculate My New York Settlement & MaintenanceNew York Maintenance Calculator — How Maintenance Works
New York divorce: financial snapshot
New York follows equitable distribution — courts divide marital property fairly, but not necessarily 50/50. The financial impact of your settlement depends on more than just the split — it depends on taxes, housing costs, and whether your income can cover your expenses long-term.
Tax impact: New York has a state income tax rate of Up to 10.9%. Factor this into your post-divorce budget — maintenance payments, investment income, and retirement withdrawals are all affected.
Housing: The median home value in New York is approximately ~$450,000. If you're considering keeping the family home, make sure you can afford the mortgage, taxes, insurance, and maintenance on a single income.
New York's high cost of living — especially in the NYC metro area — combined with state and city income taxes can significantly erode settlement values. Maintenance calculations use income caps that are adjusted periodically.
What New York divorcing spouses need to know
Under current law, New York follows equitable distribution, meaning courts generally divide marital property fairly — but not necessarily 50/50. The court considers factors like each spouse's income, contributions to the marriage, and future earning potential.
The biggest financial mistake in divorce is accepting a settlement without knowing if it will actually sustain your lifestyle long-term. A settlement that looks fair on paper can still leave you short if you haven't accounted for inflation, the end of maintenance, or the real cost of keeping the family home.
That's what DivorceSmart can help with. Enter your proposed settlement numbers, and get an estimated year-by-year projection of your finances through age 100 — including what happens when income sources end and expenses change.
New York city calculators
Frequently asked questions about New York divorce
How is maintenance calculated in New York?
How is property divided in a New York divorce?
How long do you have to live in New York to file for divorce?
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From uncertainty to clarity in 3 steps
No account required. No credit card. Just your numbers.
Enter your numbers
Settlement amount, income, expenses, alimony, house — takes about 2 minutes. Everything runs privately in your browser.
See the projection
Get a year-by-year chart showing your net worth from now through age 100. Green, yellow, or red — you'll know where you stand instantly.
Model & export
Test different settlement terms to find which saves you the most money, compare offers side-by-side, and export a report for your attorney.
Every projection is deterministic — same inputs always produce the same outputs. Results are estimates based on the assumptions you provide.
See what a Pro analysis looks like
We built a complete Pro analysis for a fictional person named Sarah. Explore every section — charts, what-if scenarios, risk timeline, negotiation leverage — so you can see what’s included before running your own numbers.
You don’t need a $5,000 CDFA retainer to understand your own numbers
Start with the free projection. If the numbers raise questions you can’t answer, upgrade to Pro for $19 — one-time, no subscription — and discover which settlement terms could save you thousands.
Not financial or legal advice. DivorceSmart is an educational planning tool. Always consult a qualified attorney and financial advisor before making settlement decisions.