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Divorce Financial Resources

Everything you need to understand the financial side of divorce — calculators, tools, state-specific guides, and educational content. All free to access.

Calculators & Tools

Settlement Calculator
Year-by-year financial projections through retirement
Alimony Calculator
Estimate spousal support based on income and state guidelines
Child Support Calculator
Calculate child support obligations by state
House Affordability Calculator
Can you afford to keep the house on one income?
Social Security Estimator
Estimate your benefit including divorced spouse benefits
State Settlement Calculator
State-specific calculators for all 50 states
Settlement Modeler
Compare different settlement scenarios side by side
Career Simulator
Project income growth and career change impact
Budget Builder
Build a realistic post-divorce monthly budget
Find a CDFA
Find a Certified Divorce Financial Analyst near you

State Divorce Guides

In-depth guides covering property division, alimony, child support, and tax implications for each state.

AlabamaArizonaCaliforniaColoradoConnecticutFloridaGeorgiaIllinoisIndianaKentuckyLouisianaMarylandMassachusettsMichiganMinnesotaMississippiMissouriNevadaNew JerseyNew MexicoNew YorkNorth CarolinaOhioOklahomaOregonPennsylvaniaSouth CarolinaTennesseeTexasVirginiaWashingtonWisconsin

Financial Topic Guides

Social Security After Divorce
The 10-year rule, divorced spouse benefits, and survivor benefits
Health Insurance After Divorce
COBRA, marketplace options, and bridging the gap to Medicare
QDRO Explained
What a QDRO is and how it divides retirement accounts
Divorce and Taxes
Filing status, alimony taxes, and capital gains
Alimony by State
How all 50 states approach spousal support
Hidden Assets in Divorce
How to detect concealed assets and protect yourself
Credit Protection During Divorce
Joint accounts, credit freezes, and building independent credit
Splitting Retirement Accounts Beyond 401(k)
Pensions, IRAs, military retirement, stock options, and more

Situation Guides

Guides for specific financial situations and asset types in divorce.

→ Divorce After 20 Years→ Divorce with $500K Assets→ Divorce with a $1M House→ Divorce with a Business→ Divorce with No Income→ Divorce with Rental Properties→ High Net Worth Divorce→ How Is Debt Divided in Divorce→ How to Protect Inheritance in Divorce→ How to Split a 401(k) in Divorce→ How to Value a House for Divorce→ Military Divorce Settlement→ Stay-at-Home Parent Divorce

Divorce Guides by Situation

In-depth financial planning guides tailored to your specific life situation.

Divorce After 50
Gray divorce planning — Social Security, healthcare gap, and retirement account division.
Military Divorce
USFSPA, Survivor Benefit Plan, TRICARE, and military pension division.
Stay-at-Home Parent Divorce
Imputed income, re-entry planning, alimony, and custody financial impact.
High-Net-Worth Divorce
Complex asset division — business interests, stock options, trusts, and tax strategies.
Small Business Divorce
Business valuation, personal vs. enterprise goodwill, buyout options, and forensic accounting.
Divorce with No Income
Temporary support, fee waivers, imputed income, and health insurance options.
Mid-Career Divorce
401(k) division via QDRO, tax bracket shifts, child support, and housing on one income.
Real Estate Divorce
Section 121 exclusion, capital gains, rental properties, and mortgage buyouts.
Divorce with Debt
Marital vs. separate debt, credit protection, bankruptcy interaction, and debt division strategies.
Second Marriage Divorce
Prenup enforcement, commingling, separate property tracing, and blended family finances.
Self-Employed Divorce
Income averaging, Schedule C/K-1 analysis, expense add-backs, and hidden income detection.
Tech Worker Divorce
RSU vesting, ISO vs. NSO stock options, coverture fraction, and equity compensation division.
Medical Professional Divorce
Practice valuation, medical school debt, malpractice tail coverage, and high-income alimony.
Retirement-Age Divorce (65+)
Medicare/IRMAA, RMDs, pension survivor benefits, and estate plan updates.

Latest from the Blog

Keeping the House After Divorce in Los AngelesMarch 2026NYC Alimony: What to ExpectMarch 2026Dividing Stock Options & RSUs in Divorce (SF)March 2026International Assets in Divorce (Miami)March 2026The Property Tax Trap: Keeping the House in ChicagoMarch 2026No Income Tax Advantage in Divorce (Houston)March 2026Military Divorce Financial Guide (San Diego)March 2026Starting Over After Divorce in DenverMarch 20265 Ways to Protect Yourself Before FilingMarch 2026Starting Over at 50: A Financial RoadmapMarch 2026Head of Household Tax Status After DivorceMarch 2026What Happens to Alimony When Your Ex Retires?March 2026Joint Debt in Divorce: Who Really Pays?March 2026Social Security After Divorce: 10-Year RuleFebruary 2026The Alimony Cliff: When Support EndsFebruary 2026How Inflation Destroys Divorce SettlementsFebruary 2026Why 50/50 Split Leaves You BrokeFebruary 2026Compare Two Settlement OffersJanuary 2026
View all blog posts →

State & City Calculators

Settlement calculators for all 50 states, plus city-specific calculators for 55 major cities. Each factors in your state's property division laws, tax rates, and local housing costs.

Browse All State CalculatorsAlimony by State

Frequently Asked Questions

Not necessarily. Free tools can give you a solid understanding of your financial picture. But if you have complex assets (businesses, stock options, multiple properties, pensions), a Certified Divorce Financial Analyst (CDFA) can be worth the investment.
Online tools help you model scenarios quickly and privately — testing different settlement options to see which ones work long-term. A CDFA provides personalized analysis, can testify in court, and understands tax implications at a deeper level. Many people start with tools and consult a CDFA for complex situations.
They provide useful estimates and are best for comparing scenarios rather than predicting exact outcomes. Most use standard financial planning assumptions (like 5% returns and 3% inflation). Real results vary, but the relative comparison between options is reliable.
As early as possible — ideally before you file. Understanding your financial picture early gives you negotiating power and helps you make informed decisions rather than reacting to your spouse's proposals.
Reputable tools encrypt your data and don't share it with third parties. DivorceSmart doesn't require an account for your first scenario and lets you delete your data permanently at any time.

See how your settlement holds up over time.

Enter your numbers and get a year-by-year projection — free, private, and takes about 2 minutes. See a sample analysis with personalized insights, scenario modeling, and a PDF for your attorney.

Run My Numbers — FreeSee Sample Analysis
DISCLAIMER
All content on DivorceSmart is for educational purposes only and does not constitute legal, financial, or tax advice. Consult with qualified professionals for guidance specific to your situation.

From uncertainty to clarity in 3 steps

No account required. No credit card. Just your numbers.

01

Enter your numbers

Settlement amount, income, expenses, alimony, house — takes about 2 minutes. Everything runs privately in your browser.

02

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.

03

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.

Built on objective, deterministic financial models

Every projection is deterministic — same inputs always produce the same outputs. Results are estimates based on the assumptions you provide.

Deterministic Math EnginePublished Tax & Actuarial DataEducational Tool Only
Free to explore

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.

View Sample AnalysisNo sign-up required

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.

Free
$0
Year-by-year projection
MOST POPULAR
Pro · 30 Days
$19
Know what your settlement is worth
Pro · 6 Months
$89
Cover your full negotiation timeline
Run My Numbers — Free

Not financial or legal advice. DivorceSmart is an educational planning tool. Always consult a qualified attorney and financial advisor before making settlement decisions.