Know what your settlement is really worth
The average divorce settlement is $100,000+. A 5% better outcome = $5,000. Pro costs $19. One-time payment — no subscription.
Every counter-offer your spouse makes could cost you thousands if you can’t re-run the numbers. Pro lets you model any scenario in 30 seconds.
Most people try the free analysis first, then upgrade for the full picture.
Start free first →A wrong house decision can cost $15,000–$25,000. Hidden tax basis differences can cost $5,000–$50,000.
Pro costs $19.
Why many users choose the 6-month plan: Most divorce settlements take 4–12 months to negotiate. Every time your spouse counters with new terms, it can help to re-run the numbers. The 6-month plan covers your negotiation timeline so you can explore each settlement option and bring the estimates to your attorney and financial advisor.
“I ran the keep-vs-sell analysis and discovered that keeping the house would cost me $22,000 more than selling over 5 years — a detail my attorney hadn’t quantified.”
— Pro user in Texas
“My spouse proposed a 60/40 split that looked fair on paper. Pro showed it was actually 52/48 after accounting for tax basis differences in the assets.”
— Pro user in California
“I didn’t realize that taking the 401(k) instead of the brokerage account would cost me $18,000 in taxes. The scorecard caught it immediately.”
— Pro user in Illinois
Illustrative examples based on common scenarios, not individual testimonials.
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.