How do I compare two divorce settlement offers?

Enter the key financial terms of each offer — assets, alimony, child support, and expenses — and the settlement modeler projects both forward over 30 years so you can see which one provides more long-term financial security.

Why is projecting a settlement forward important?

A settlement that looks equal today may not be equal after taxes, inflation, and investment growth. Two offers with the same total dollar value can have very different long-term outcomes depending on the mix of assets, support payments, and tax treatment.

← Free Tools

Settlement Modeler

Enter two settlement offers and see which one gives you more financial security over 30+ years.

Your info

Your age

Monthly spending

Offer A

Lump sum (cash + investments)

Monthly alimony

Alimony duration (years)

Offer B

Lump sum (cash + investments)

Monthly alimony

Alimony duration (years)

Want a personalized analysis of your settlement?

This modeler shows the math. See a sample analysis to understand what Pro adds — personalized insights, scenario comparison, and a PDF report for your attorney.

Run My Full Analysis See Sample Analysis

Want to compare different scenarios?

Save this projection and run another with different numbers. Plans start at $12/month after your first free scenario.

Save & Compare Scenarios →

You Might Also Need

Settlement Calculator →

See how your proposed settlement affects your finances long-term

Alimony Calculator →

Estimate spousal support based on income and state guidelines

Child Support Calculator →

Calculate child support obligations by state

Housing Calculator →

Can you afford to keep the house on a single income?

All Resources →

Calculators, guides, and financial planning content

DISCLAIMER

This tool provides rough estimates for educational purposes only and should not be relied upon as legal or financial advice. It assumes a simplified 3% net annual growth rate and does not account for taxes, inflation adjustments, market volatility, or individual circumstances that could significantly affect actual outcomes. Projections showing “money lasts to age X” are estimates, not guarantees. One settlement offer appearing “better” in this model may not be better for your actual situation once taxes, liquidity, and other factors are considered. Consult a CDFA (Certified Divorce Financial Analyst) or attorney for advice specific to your situation.

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.

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

Year-by-year projection