Onward Divorce Financial Forecaster

Answer a few questions to see a personalized financial forecast for life after divorce.

Onward Divorce Financial Forecaster

Your financial future after divorce

Take our quiz to generate a personalized, downloadable simulation of your post-divorce finances. In less than 10 minutes, you'll have a clear picture of your future.

Assets preview Net worth preview
  • See your options for the family home
  • Understand how assets and debts get divided
  • Estimate spousal support
  • Plan for insurance and expenses

Your privacy matters: we only use your email to save your results and send helpful resources. We never share your information. You can opt out at any time.

Assets section preview Debts section preview Net worth preview

About Your Situation

This helps us determine which laws apply and how assets are typically divided.

Example: Their first name, a nickname, or simply Spouse

Note on child support: Child support calculations are complex, highly state-specific, and depend on custody arrangements that aren't yet determined. This tool does not estimate child support. We strongly recommend consulting a family law attorney for a complete picture that includes your children.

Income

Enter gross (pre-tax) income. We'll estimate federal and state taxes to calculate your take-home pay.

Your Income

Full-Time
Part-Time
Not Currently Working

*bonuses, freelance, benefits, pensions, social security, etc.

Spouse's Income

Full-Time
Part-Time
Not Currently Working

*bonuses, freelance, benefits, pensions, social security, etc.

How we estimate taxes: We use 2025 federal tax brackets for single filers (your post-divorce status) plus estimated state income tax. These are rough estimates.

Real Estate

Tell us about any properties you own. We'll model different scenarios for each.

Need help estimating your home's value?

Vehicles

List all vehicles owned by you or your spouse. Include automobiles, motorcycles, boats, RVs, trailers, and ATVs. Do not include leased vehicles.

Need help estimating vehicle values?

Financial Assets

Accounts and other items of value. We'll cover retirement accounts on the next screen.

Pre-Nuptial Agreement

If you have a pre-nup, your actual financial outcomes may differ significantly from these estimates. Your report will include a reminder to have it reviewed by a family law attorney.

Bank Accounts

Investments & Other

Business Interests

Retirement Accounts

Include 401(k), IRA, pension, and similar accounts. Only the portion accumulated during the marriage is typically divided.

The pre-marital portion is typically considered separate property and is not subject to division.

Debts

Include all outstanding debts. Marital debts are divided just like assets. Mortgage balances are already captured in the Real Estate section.

Credit Card Balances

Student Loans

Other Debts

Monthly Expenses

Roughly estimate what your household currently spends each month. No need to be precise down to the dollar. We'll project your individual expenses after divorce. Health insurance is captured on the next page.

Housing

Monthly costs for your primary residence.

All Other Expenses

Everything else your household spends monthly (excluding housing above and health insurance).

A rough ballpark is fine! Include everything your household spends on: utilities, groceries, gas & transportation, auto insurance, dining out & entertainment, shopping & retail, travel, personal care & wellness, debt payments (excluding housing-related costs), other insurance, and any other recurring expenses.

Health & Life Insurance

Insurance can be a major factor post-divorce, especially health coverage.

Health Insurance

You
Through your employer
Spouse
Through their employer
Separate Plans
Each has own coverage
Important: After divorce, the non-covered spouse typically loses access to the other's employer plan. Options include COBRA (temporary, often expensive) or getting your own plan.
If unsure, $400–$700/month is a common range for individual marketplace plans.

Life Insurance

Note: Term life insurance has no cash value, but may be required to secure support obligations.

Your Financial Forecast

Based on your answers, here's a rough picture of what your finances could look like after divorce.

Assets

Vehicle Division

Financial Asset Division

How your marital financial assets would roughly be divided (excluding real estate and vehicles).

Net Worth

Post-Divorce Net Worth Estimate

Income & Support

Post-Tax Income Estimates

Estimated Spousal Support

Monthly Budget

Your Projected Monthly Budget

An estimate of your monthly financial picture after divorce.

Insurance

Insurance Considerations

Important Disclaimer: This tool provides rough estimates for educational purposes only. It is not legal or financial advice. Every divorce is unique, and actual outcomes depend on negotiations, judicial discretion, specific state laws, and tax implications. We strongly recommend consulting with a qualified family law attorney, CPA, and financial advisor in your state.

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