Austin Divorce Settlement Calculator
Travis County · Population 978K · Texas
Explore whether your proposed divorce settlement could support your lifestyle long-term. Private, and built with Austin-area considerations in mind. Estimates are for educational purposes only — not a substitute for professional advice.
Run Your Settlement AnalysisDivorcing in Austin
Divorce Financial Landscape in Austin
Austin has experienced rapid growth driven by its expanding technology sector, with major employers including Dell Technologies, Apple's Austin campus, Tesla's Gigafactory, and a deep bench of startups and venture-backed firms. For divorcing couples, equity compensation -- restricted stock units, stock options, and startup shares -- is often among the most valuable and most complex marital assets to divide. Texas is a community property state, so equity vested during the marriage is generally subject to equal division, but unvested stock requires careful tracing and sometimes a deferred-distribution approach rather than a simple present-value buyout.
Texas has no state income tax, which means spousal maintenance and earned income are not reduced by a state tax layer. However, property taxes run at an effective rate of approximately 1.68%, among the higher rates nationally, and homeowners insurance averages about $6,854 per year. For the spouse considering keeping the family home, that ongoing property tax and insurance burden -- combined with Austin's rising home values -- makes the affordability question especially important to model carefully.
Austin's cost of living has climbed substantially as the city has attracted workers from higher-cost markets like the San Francisco Bay Area and Seattle. This has implications for both spousal maintenance calculations and post-divorce budgeting: the lifestyle established during the marriage may have been supported by dual tech incomes, and replicating it on a single income requires realistic projections. Our budget builder tool can help Austin residents stress-test whether a proposed settlement actually covers their anticipated expenses over five and ten years.
Frequently asked questions
How are assets divided in a Austin, Texas divorce?
Texas is a community property state, meaning marital assets are generally divided 50/50. Austin's booming tech sector means startup equity and RSUs are increasingly common marital assets in local divorces. Use the calculator above to project how a proposed settlement would play out year-by-year based on local cost-of-living data for Travis County.
What does a divorce cost in Austin?
Costs vary widely depending on whether the divorce is contested or uncontested. In Travis County, filing fees, attorney costs, and the complexity of asset division all affect total cost. Our free calculator helps you understand the financial impact of different settlement scenarios so you can make informed decisions regardless of your budget.
How long does divorce take in Texas?
Texas requires 6 months in state, 90 days in county of residency before filing. Divorce timelines also depend on whether the case is contested, the complexity of assets, and local court schedules in Travis County. Use our settlement calculator to compare different scenarios while you wait.
What are Texas's alimony rules?
In Texas, spousal support works as follows: Maximum $5,000/month or 20% of payor's average monthly gross income. Duration capped at 5-10 years depending on marriage length. These rules apply to Austin residents filing in Travis County. Our alimony calculator can help you estimate what support might look like in your situation.
Can I keep my house after divorce in Austin?
Whether you can afford to keep your home in Austin depends on your income, mortgage balance, and total housing costs (mortgage, property taxes, insurance, and maintenance). As a community property state, your spouse is entitled to half the home's equity. Use our housing affordability calculator to model your specific numbers.
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.