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