Your Financial Calculator
Your personal finance worksheet
📋 How to use this calculator: Work through each tab in order, filling in the figures as best you can. Use estimates where you don't have exact numbers, you can refine them later. All calculations update instantly. When you're done, go to Net Position to see the full picture. ✕
Monthly Budget
Property
Assets & Savings
Pensions
Debts
Child Maintenance
Net Position
✓ Saved
Tab 1 of 5, Monthly Budget
Enter your current combined household figures. If you've already separated, enter your individual figures in the "Your" column and leave the partner column blank.
  • Take-home pay = your salary after tax and National Insurance (check your payslip)
  • Benefits = Universal Credit, Child Benefit, tax credits, etc.
  • Outgoings = what you currently pay as a household, split fairly between you
The surplus/deficit at the bottom shows whether your current household budget is sustainable.

Your Monthly Income

Monthly Outgoings

Total Income
£0
Total Outgoings
£0
Monthly Surplus / Deficit
£0

Can I Afford to Live Alone?

Once separated, you'll each be running separate households. Enter your solo figures to see if your income covers your costs alone.

Use your take-home pay + any benefits you'd receive as a single person
New rent or mortgage payment if you move out / keep the house
Everything except housing, use your half of current outgoings as a guide
Tab 2 of 5, Property
Enter the details of any jointly owned property. You'll need:
  • Current value, check Rightmove/Zoopla for recent sales on your street, or get a free estate agent valuation
  • Outstanding mortgage, check your latest mortgage statement or your lender's online portal
  • Sale costs, typically 1–3% of the sale price (estate agent fee + conveyancing). Enter £0 if one party is keeping the home
Drag the slider to model different equity splits and see what each party receives.

Family Home

Typically 2–3% of sale price
Your share 50% / 50% Partner's share
Your share
50%
£0
Partner's share
50%
£0
Property Value
£0
Mortgage
£0
Net Equity
£0
Tab 3 of 5, Assets & Savings
List everything of value beyond the family home. Include all accounts, even ones the other party may not know about, as you'll need to disclose these in your financial settlement (Form E).
  • Joint savings = any accounts held in both names
  • Personal savings = accounts in your name only (and partner's separately)
  • ISAs / investments = stocks & shares ISAs, premium bonds, unit trusts
  • Vehicles = current market value (check AutoTrader for an estimate)
  • Business interests = only if a business valuation has been done or is needed
The split slider applies to joint assets only, personal assets stay with each party.

Savings & Investments

Vehicles

Other Assets

Your share 50% / 50% Partner's share
Your share of joint assets
50%
£0
Partner's share of joint assets
50%
£0
Total Assets
£0
Your Total
£0
Partner's Total
£0
Tab 4 of 5, Pensions
Pensions are often the largest asset in a divorce and are frequently overlooked. You must disclose all pensions, including old workplace schemes.
  • Request a CETV (Cash Equivalent Transfer Value) from each pension provider in writing, they must provide this for free. Allow 3 months.
  • Can't find old pensions? Use the government's free Pension Tracing Service
  • State Pension, check your forecast at gov.uk/check-state-pension. A big difference in forecasts may be relevant to your settlement.
  • Pension Sharing Order, this transfers a % of one pension to the other party at the point of divorce. A specialist pension on divorce report (PODE) is recommended for complex cases.

Pension Values (Cash Equivalent Transfer Value, CETV)

Request your CETV from each pension provider, this is the lump-sum equivalent of your pension pot. Workplace pension statements and the government's Pension Tracing Service can help you locate all pensions.

Check your State Pension forecast at gov.uk/check-state-pension

Pension Sharing Scenario

A Pension Sharing Order transfers a percentage of one pension to the other party. Drag the slider to model different sharing scenarios.

Equal split (50/50) 50% / 50% Keep as is (0/100)
Your pension after sharing
£0
Partner's pension after sharing
£0
Total Pension Wealth
£0
Difference before sharing
£0
Difference after sharing
£0
Tab 5 of 5, Debts
List all outstanding debts. Joint debts remain the legal responsibility of both parties until formally reassigned, even after divorce.
  • Joint loans / credit cards = any debt in both names. Check your credit report at checkmyfile.com for a full picture.
  • Overdrafts = current balance on any joint current account
  • Personal debts = in your name only. These stay with you regardless of settlement.
  • Important: If a joint debt is assigned to one party in a Consent Order, the other party should be removed from the account with the lender, a court order alone does not automatically do this.

Joint Debts

Personal Debts

You take more 50% / 50% of joint debts Partner takes more
Your total debt responsibility
50%
£0
Partner's total debt responsibility
50%
£0
Total Joint Debts
£0
Total All Debts
£0
Child Maintenance, CMS Formula Calculator
This uses the UK Child Maintenance Service (CMS) formula to estimate the non-resident parent's liability.
  • Paying parent = the parent the children don't live with most of the time
  • Gross income = before tax and NI. Use the "gross pay" figure from a payslip or P60
  • Overnight stays = nights per week the children sleep at the paying parent's home, more stays reduce the payment
  • This is an estimate. The official CMS uses HMRC income data and may differ slightly.
Use the official CMS calculator →

Paying Parent's Details

Gross = before tax & NI. See payslip gross pay or P60.
More overnights = lower payment (shared care reduction)
Children in a new household reduce the assessment income

Agreed or Expected Payment

This will appear in your net position summary

Tip: A written private agreement included in your Consent Order is legally recognised and avoids CMS admin fees. Speak to a family solicitor if you need help formalising the arrangement.

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Net Position, Your Financial Settlement Overview
This summary pulls together everything you've entered. It shows what each party walks away with after assets are split and debts are deducted.
  • Go back to any tab to adjust figures, the summary updates automatically
  • A significant difference in net positions doesn't necessarily mean the settlement is unfair, courts consider many factors including future earning capacity, caring responsibilities, and length of marriage
  • Use the Print / Save as PDF button to save this summary for your records or to share with a solicitor
This calculator is a planning tool only, it does not constitute legal or financial advice.

Summary, What Each Party Walks Away With

Based on the figures entered across all sections. Fill in the other tabs first for accurate totals.

CategoryYour SharePartner's Share

Your Net Position

£0
Assets minus debts

Partner's Net Position

£0
Assets minus debts
Difference
£0
Monthly surplus/deficit
£0