Best Divorce Financial Planning Tools (2026)
The financial decisions you make during divorce will shape the next 20 to 30 years of your life. These free tools help you understand what your settlement is really worth, project your finances forward, and make decisions based on numbers rather than guesswork.
Free Divorce Calculators
All calculators are free to use with no signup required. Enter your numbers and get results instantly.
Planning & Comparison Tools
Beyond the calculators, these tools help you plan your post-divorce financial life.
What to Look for in a Divorce Financial Planning Tool
Not all divorce calculators are created equal. Most online tools give you a single snapshot — a lump sum today. But a divorce settlement plays out over decades. Here is what the best tools account for:
- Year-by-year projections — not just a single number, but how your finances change each year as alimony ends, kids age out, and retirement approaches.
- Tax impact — different assets are taxed differently. A dollar in a 401(k) is not the same as a dollar in a bank account.
- Inflation — a settlement that works today may not work in 10 years. Good tools adjust for rising costs.
- State-specific rules — community property vs. equitable distribution, state tax rates, and alimony guidelines vary dramatically.
- Multiple scenarios — the ability to compare different settlement offers side by side.
The DivorceSmart settlement calculator shows you year-by-year projections through retirement. Enter your settlement terms and see if the math actually works long-term.
Try the Free Calculator →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.