Free Divorce Financial Tools
Every tool is free, private, and works instantly in your browser. No sign-up required for individual tools.
Divorce Cost Estimator
How much will your divorce cost? Enter your state, type, and complexity for a realistic cost range — filing fees, attorney fees, and more.
NewAlimony Duration Estimator
How long will alimony last? See your state's rules and estimated duration based on marriage length.
NewMarital Net Worth Calculator
Add up all marital assets and debts to see your total estate value and estimated division.
NewSettlement Modeler
Compare two settlement offers side by side. See which one gives you more financial security over 30 years.
NewBudget Builder
Build a realistic post-divorce monthly budget category by category. See where your money goes.
NewCareer Simulator
Thinking of going back to work or switching careers? See how different salary paths affect your long-term finances.
PopularAlimony Calculator
Estimate spousal support based on income, marriage length, and your state's guidelines.
Child Support Calculator
Estimate child support payments based on income, custody arrangement, and state formulas.
PopularSocial Security Estimator
See your monthly benefit at every claiming age from 62 to 70. Includes ex-spouse benefit check.
Can I Keep My House?
Find out if you can afford to keep the house — with DTI check, buyout estimate, and keep-vs-sell comparison.
NewDivorce Buyout Calculator
How much to buy out your spouse's share of the house, retirement, or other assets. See offset strategies.
State Settlement Calculator
See property division rules, alimony guidelines, and tax rates for your state. All 50 states covered.
GuideFind a CDFA
Learn what a Certified Divorce Financial Analyst does and how to find one in your area.
Advanced Pro Tools
Deeper analysis tools for pro subscribers. Get AI-powered insights, inflation projections, relocation analysis, and more.
Divorce Timeline Checklist
30+ critical financial steps you need to take before, during, and after divorce — personalized to your situation so nothing falls through the cracks.
ProAI Negotiation Talking Points
Know what to fight for and where to compromise. AI analyzes your scenario and generates ranked priorities with dollar impacts for your attorney.
ProCost of Living Comparison
Thinking of relocating? See how moving from San Francisco to Austin could save you $15K+/year — or how a move to NYC could cost you $20K+ more.
ProInflation-Adjusted Projections
A $2,500/mo alimony payment loses $45K+ in purchasing power over 10 years. See the real value of your support payments and negotiate a COLA clause.
ProReal Estate Valuation
Project your home equity with state-specific appreciation rates. Keep vs. sell comparison shows which option builds more wealth over 5–30 years.
Want the full picture?
Our flagship analysis combines everything — income, assets, spending, costs — into a personalized 30-year projection with expert insights. See a sample analysis to understand exactly what your settlement is worth and what the report looks like.
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.