The emotional side of separation is hard enough; the money side should not be a surprise. This tool provides a simple, data-driven estimate of how your shared finances could split. Think of it as your first financial meeting: quick, clear, and focused on control.

Divorce Finance Tool: End the Guesswork

Step 1: Input Shared Numbers

Your goal here is to establish the total Net Worth of the relationship. Net Worth is Assets minus Debts.

• Currency Selection: First, choose your currency (Naira, USD, Euro, etc.).
• Joint Assets (Green): Enter the total value of everything you own together. This includes savings, property value (what the house is worth, not what you owe), vehicles, and investments. Do not guess: use current statements.
• Joint Debts (Red): Enter the total amounts owed. Include mortgage balance, credit card debt, and loans. This is what you still need to pay off.

The benefit: For many people, just listing these numbers is a massive relief. Clarity beats confusion.

Step 2: Choose the Split Method

In many jurisdictions, the assets and debts acquired during the marriage are considered joint, known as marital or community property.

• Default Splits: Select a common division, like 50/50 (equal split) or 60/40.
• Custom Split: If you agree to a specific percentage, select Custom Split and enter the percentage that will go to you. For example, if you are keeping the home but conceding a higher share of the investment, enter that percentage here.

Step 3: Calculate the Bottom Line

Click “Calculate Division.”

• Summary Cards: The calculator first shows three main totals: Total Assets (Green), Total Debts (Red), and the Net Worth (Blue).
• Detailed Table: The table shows the estimated monetary split based on the percentage you chose:
  • Your Share vs. Their Share: It breaks down exactly how much of the Assets and how much of the Debts go to each person.
  • Net Amount: This is the critical number. It shows the net money you should receive (positive number) or the net money you might owe (negative number) to balance the division.

Remember: This tool offers a high-level estimate. Real settlements also consider income differences, child custody, and legal jurisdiction, like a highly complex negotiation game. Use this as a starting point to organize your documents before talking to an attorney.