Divorce Financial Guides
Practical, no-nonsense guides for specific divorce situations. Every guide includes a tool to test your numbers.
Divorce Financial ChecklistDivorce by SituationComparison Guides (vs.)Housing Costs by StateChild Support by StateCost of Divorce by StateCommunity vs. Equitable
Situation Guides
Stay-at-Home Parent Divorce Settlement Guide
What to fight for when you've been out of the workforce.
Divorce After 20 Years: Will Your Money Last?
Gray divorce has different financial stakes. Here's what to plan for.
High-Net-Worth Divorce Settlement Guide
Business valuations, stock options, deferred comp, and the tax traps that cost the most.
Divorce With $500K in Assets
How to split half a million and still come out okay.
Divorce With a $1M House
Keep it, sell it, or buy out your spouse? The math behind the decision.
Divorce With No Income
Your options when you don't have your own paycheck yet.
Military Divorce Settlement Guide
Pensions, benefits, and the rules that are different for military families.
Divorce When You Own a Business
Valuation, buyouts, and protecting what you've built.
Divorce With Rental Properties
How investment real estate gets divided and what to consider.
How to Split a 401(k) in Divorce
QDROs, tax implications, and the mistakes people make.
How to Value Your House for Divorce
Appraisals, CMAs, and what number to use in negotiations.
How Is Debt Divided in Divorce?
Credit cards, mortgages, student loans — who gets stuck with what.
How to Protect Inheritance in Divorce
When it's separate property and when it's not.
How Much Am I Entitled to in a Divorce?
Property, alimony, child support, retirement — what you can expect and what affects your share.
How Much Alimony Will I Get?
What determines your support as the lower earner — income gap, marriage length, and state rules.
How Much Alimony Will I Have to Pay?
What to expect as the higher earner — formulas, factors, and strategies to plan ahead.
What Percentage Is Alimony?
State-by-state breakdown of alimony formulas, percentages, and notable rules.
Social Security After Divorce
The 10-year rule, divorced spouse benefits, survivor benefits, and remarriage rules.
Health Insurance After Divorce
COBRA, ACA Marketplace, Medicaid, and how to negotiate coverage in your settlement.
QDROs Explained: Splitting Retirement Accounts
What a QDRO is, the step-by-step process, costs, and the early withdrawal exception.
How Divorce Affects Your Taxes
Filing status, alimony deductions, property transfers, home sale exclusion, and who claims the kids.
State Guides
Alabama Divorce Settlement Guide
Equitable distribution, fault matters, broad judicial discretion, and low property taxes.
Alaska Divorce Settlement Guide
Equitable distribution, no state income tax, high cost of living, and unique military considerations.
Arizona Divorce Settlement Guide
Community property, 2023 spousal maintenance guidelines with calculator, and the Rule of 65.
Arkansas Divorce Settlement Guide
Equitable distribution, fault can be considered, low cost of living, and high insurance costs.
California Divorce Settlement Guide
Community property, alimony formula, tax impact, and what to know before settling.
Colorado Divorce Settlement Guide
Equitable distribution, advisory alimony guidelines, and key financial factors.
Connecticut Divorce Settlement Guide
Equitable distribution based on marriage length and earning capacity.
Delaware Divorce Settlement Guide
Equitable distribution, no sales tax, low property taxes, and high closing costs.
Florida Divorce Settlement Guide
2023 alimony reform, no permanent alimony, 35% income-gap cap, and no state income tax.
Georgia Divorce Settlement Guide
Equitable distribution, adultery bars alimony, jury trial right, and broad judicial discretion.
Hawaii Divorce Settlement Guide
Equitable distribution, highest median home values, lowest property taxes, and unique cost-of-living factors.
Idaho Divorce Settlement Guide
Community property state, assets acquired during marriage split 50/50, and rising housing costs.
Illinois Divorce Settlement Guide
Formula-based alimony, income cap, equitable distribution, and tax considerations.
Indiana Divorce Settlement Guide
"One pot" property division, 50/50 presumption, most restrictive maintenance in the nation, and 3-year rehabilitative cap.
Iowa Divorce Settlement Guide
Equitable distribution with broad judicial discretion, three types of spousal support, college cost obligations, and flat 3.65% state tax.
Kansas Divorce Settlement Guide
Equitable distribution, broad judicial discretion, and moderate cost of living.
Kentucky Divorce Settlement Guide
Marital vs. non-marital property classification, no-fault state, and 4% flat tax.
Louisiana Divorce Settlement Guide
Community property state, equal division of community assets, and low state income tax.
Maine Divorce Settlement Guide
Equitable distribution, economic misconduct considered, and moderate housing costs.
Maryland Divorce Settlement Guide
2023 no-fault reform, monetary award system, county piggyback taxes, and indefinite alimony standard.
Massachusetts Divorce Settlement Guide
Alimony Reform Act formula, duration tiers, and equitable division rules.
Michigan Divorce Settlement Guide
Equitable distribution, fault-based spousal support factors, and 6-month waiting period with children.
Minnesota Divorce Settlement Guide
Equitable distribution, marriage length and financial needs considered.
Mississippi Divorce Settlement Guide
Equitable distribution, contribution matters more than title.
Missouri Divorce Settlement Guide
No 50/50 presumption, no maintenance formula, child support to age 21 for college, and 2026 flat tax with capital gains exemption.
Montana Divorce Settlement Guide
Equitable distribution, rising housing costs, and high homeowners insurance.
Nebraska Divorce Settlement Guide
Equitable distribution, high property taxes and insurance, and moderate cost of living.
Nevada Divorce Settlement Guide
Community property state with no state income tax.
New Hampshire Divorce Settlement Guide
Equitable distribution, no income tax on wages, high property taxes, and all property divisible.
New Jersey Divorce Settlement Guide
Four types of alimony, 2014 reform, highest property taxes in the nation, and retirement-age termination.
New Mexico Divorce Settlement Guide
Community property state with a relatively low cost of living.
New York Divorce Settlement Guide
Formula-based alimony, equitable distribution, and high-cost-of-living factors.
North Carolina Divorce Settlement Guide
Mandatory 1-year separation, adultery bars or mandates alimony, and divisible property concept.
North Dakota Divorce Settlement Guide
Equitable distribution, one of the lowest state income tax rates, and affordable housing.
Ohio Divorce Settlement Guide
Equal division presumption, dissolution vs. divorce paths, and municipal income taxes.
Oklahoma Divorce Settlement Guide
Equitable distribution with one of the lower costs of living in the nation.
Oregon Divorce Settlement Guide
Equitable distribution, no sales tax, and moderate housing costs.
Pennsylvania Divorce Settlement Guide
Guideline alimony formula, equitable distribution, and lowest flat tax in the group.
Rhode Island Divorce Settlement Guide
Equitable distribution, marital misconduct considered, and moderate housing costs.
South Carolina Divorce Settlement Guide
Fault, duration, and contributions considered in property division.
South Dakota Divorce Settlement Guide
Equitable distribution, no state income tax, and affordable housing costs.
Tennessee Divorce Settlement Guide
Equitable distribution, four types of alimony, no state income tax, and lowest property taxes in the nation.
Texas Divorce Settlement Guide
Community property, strict spousal maintenance caps, percentage-based child support, and no state income tax.
Utah Divorce Settlement Guide
Equitable distribution, flat 4.85% income tax, rising home values, and alimony capped at marriage length.
Vermont Divorce Settlement Guide
All property divisible (not just marital), high property taxes, and broad judicial discretion.
Virginia Divorce Settlement Guide
Hybrid property, temporary support formula, adultery near-bars support, and mandatory separation.
Washington Divorce Settlement Guide
Community property (all property divisible), spousal maintenance, no income tax, and no residency minimum.
West Virginia Divorce Settlement Guide
Equitable distribution, lowest median home values in the nation, and affordable cost of living.
Wisconsin Divorce Settlement Guide
Community property state, marital assets generally split 50/50.
Wyoming Divorce Settlement Guide
Equitable distribution, no state income tax, low property taxes, and affordable housing.
DISCLAIMER
All guides on DivorceSmart are for educational purposes only and do not constitute legal, financial, or tax advice. Laws vary by state and change frequently. Consult a qualified attorney and financial advisor for guidance specific to your situation.
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