DivorceIQ Personal™ Free Financial Snapshot Calculator
Understand Your Settlement Before You Hire an Attorney
Divorce is one of the most significant financial events of your life — and most people walk into it without a clear picture of what they stand to gain or lose. This free divorce financial calculator helps you model your settlement before you spend money on attorneys or schedule your first mediation session.
Built by a CPA, Certified Divorce Financial Analyst® (CDFA®) and neutral advisor, the tool covers the four areas that matter most: how marital assets and debts would be divided, whether you can afford to keep the house, what spousal support might look like, and how retirement accounts factor into your settlement.
This is not legal advice. It is a planning tool designed to help you walk into professional consultations informed, prepared, and in control of your financial future.
Free Tool — Whitehall Advisory
Divorce Financial Snapshot
Understand your financial picture before you hire an attorney or schedule mediation. Takes about 5 minutes. No legal advice — just clear numbers.
Asset & debt split
See what each spouse walks away withHome decision
Keep, sell, or split — with real numbersSpousal support
Estimate range and durationRetirement accounts
QDRO basics and distribution optionsYour data stays in your browser. Nothing is stored or shared.
Step 1 of 6 — Your situation
Tell us about your situation
We'll show you only the calculators relevant to you.
Do you own a home together?
Do you have retirement accounts? (401k, IRA, pension)
Is one spouse a significantly higher earner?
Step 2 of 6 — Assets & debts
Marital assets & debts
Assets
Debts
Step — Home decision
Keep the house or sell?
Step — Spousal support
Spousal support estimate
Step — Retirement / QDRO
Retirement account division
Almost done
Your financial snapshot is ready
Enter your email to unlock your full before/after net worth summary.
Your Divorce Financial Snapshot
Net worth before & after · Asset split · Housing decision · Support estimate · Retirement impact
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Your financial snapshot
CompleteHere's your personalized overview.
Want the full picture?
The Divorce Financial Planner includes 8 additional calculators — and can be used by mediators with clients in session.
- Social Security benefit analyzer
- Business valuation estimator
- Tax filing status impact
- Liquid vs. illiquid asset tradeoff
- Post-divorce budget builder
- Debt responsibility & credit impact
- Life insurance needs calculator
- Rental property analyzer
One-time purchase · Mediator licenses available
Frequently Asked Questions
Q: Is this tool free to use?
Yes. The Divorce Financial Snapshot is completely free. Enter your email at the end to unlock your full before-and-after summary.
Q: Is this legal or financial advice?
No. This tool provides estimates for planning purposes only. All results should be reviewed with a qualified attorney, CDFA, or financial advisor before making decisions.
Q: How accurate are the estimates?
The tool uses standard financial formulas and state-specific guidelines where applicable. Actual outcomes depend on judicial discretion, individual circumstances, and negotiated agreements.
Q: What is a QDRO?
A Qualified Domestic Relations Order (QDRO) is a legal document that divides retirement accounts like 401(k)s in divorce. The tool helps you understand the present and future value of a potential QDRO before consulting a specialist.
Q: What does the full Divorce Financial Planner include?
The paid tool adds 8 advanced calculators: Social Security benefit analysis, tax filing impact, liquid vs. illiquid asset tradeoff, business valuation, post-divorce budget, life insurance needs, debt responsibility modeling, and rental property analysis.