Divorce Settlement Calculator: Asset Division & Support Estimator (2026)

IRS Tax Data API Umbeo API

Divorce Settlement Estimator

Calculate asset division, child support, and alimony based on state laws and guidelines. Powered by IRS Tax Data & Umbeo Cost of Living APIs

State Law Compliant Child Support Guidelines Asset Division Alimony Calculator

Case Information

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State of Residence California (Community Property) Texas (Community Property) New York (Equitable Distribution) Florida (Equitable Distribution) Illinois (Equitable Distribution) Pennsylvania (Equitable Distribution) Ohio (Equitable Distribution) Georgia (Equitable Distribution)

Community Property: Assets typically split 50/50

Marriage Length (Years)

12

Short-term (<5) Medium (5-15) Long-term (>15)

Spouse 1 Information

Annual Income

$

Age

Employment Status Full-time employed Part-time employed Self-employed Unemployed Retired

Spouse 2 Information

Annual Income

$

Age

Employment Status Full-time employed Part-time employed Self-employed Unemployed Retired

Children Information

Number of Children:

2

Child 1 Age

Special Needs None Minor accommodations Moderate needs Significant needs

Health Insurance Covered by Spouse 1 Covered by Spouse 2 Split coverage Not covered

Child 2 Age

Special Needs None Minor accommodations Moderate needs Significant needs

Health Insurance Covered by Spouse 1 Covered by Spouse 2 Split coverage Not covered

Asset & Property Division

Total Marital Assets: $850,000

Spouse 1: 50% Spouse 2: 50%

Real Estate Assets

Marital Home Equity: $350,000

Distribution: Spouse 1: $175,000 | Spouse 2: $175,000

Vacation Property Value: $200,000

Distribution: Spouse 1: $60,000 | Spouse 2: $140,000

Financial Assets

Retirement Accounts $150,000

Split: 50/50

Investment Accounts $100,000

Split: 50/50

Bank Accounts $50,000

Split: 50/50

Other Assets $0

Debts & Liabilities

Total Marital Debts $150,000

Mortgage Balance $100,000

Credit Cards $30,000

Car Loans $20,000

Tax & Cost of Living Analysis

IRS Tax Brackets 2025 (Projected)

Federal Tax Brackets

10% Up to $11,600

12% $11,601 - $47,150

22% $47,151 - $100,525

24% $100,526 - $191,950

Standard Deduction (Single): $14,600

Standard Deduction (HOH): $21,900

Alimony Tax Implications

Post-2018 Rule (TCJA):

• Alimony NOT deductible for payer
• Alimony NOT taxable for recipient
• Applies to divorces after 12/31/2018

Pre-2019 Rule:

• Alimony deductible for payer
• Alimony taxable for recipient
• Applies to pre-2019 divorces

Tax Impact Analysis

Spouse 1 Tax Liability

--

After standard deduction

Spouse 2 Tax Liability

--

Head of Household (2 children)

Using 2025 projected tax brackets and standard deductions

Cost of Living Comparison (Umbeo API)

Current Location

Cost of Living Index: 145.6

Housing Cost: $2,850/mo

Childcare Cost: $1,200/mo

High cost of living

Comparison Location

Cost of Living Index: 102.4

Housing Cost: $1,650/mo

Childcare Cost: $900/mo

Medium cost of living

Relocation Impact Analysis

Cost Difference

-30%

Lower expenses

Monthly Savings

$1,500

If relocating

Child Support Impact

-15%

Potential adjustment

Equivalent Income

$85,000

Maintains lifestyle

Location-Based Child Support Estimate

Based on current location:

$2,833/mo

Los Angeles, CA

If relocating to:

$2,408/mo

Austin, TX (-15%)

Many states adjust child support based on cost of living differences between locations

Support Calculations

Child Support Calculation

Income Calculation

Spouse 1 Income $120,000

Spouse 2 Income $40,000

Combined Income $160,000

State Guideline

California: 25% for 2 children

Support Calculation

Basic Support $40,000/year

Custody Adjustment -15%

Health Insurance +$2,400/year

Annual Child Support $34,000

Monthly Payment $2,833

Spousal Support (Alimony)

Calculation Factors

Marriage Duration Factor

12 years → 6 years support

Income Differential

$80,000

Spouse 1 earns $80k more annually

Need vs. Ability to Pay

Spouse 2 Need Spouse 1 Ability

Support Determination

Formula Calculation $28,000/year

Duration 6 years

Tax Treatment Non-deductible

Annual Alimony $28,000

Monthly Payment $2,333

Based on California formula: 40% of higher earner minus 50% of lower earner

Custody & Parenting Time

Parenting Time Distribution

Overnight Schedule 65% / 35%

Spouse 1: 65% Spouse 2: 35%

Spouse 1 Overnights

0 nights 237 nights 365 nights

Legal Custody

Joint legal custody: Both parents make major decisions

Parenting Plan

Schedule Type Every Other Weekend + Midweek 2-2-5-5 Schedule Week On/Week Off School Year/Summer Split Custom Schedule

Holiday Schedule

Thanksgiving Alternating years

Christmas Break Split holiday

Summer Vacation 4 weeks each

Birthdays With each parent

Child Support Impact

Current custody arrangement reduces child support by approximately 15% compared to primary custody scenario.

Complete Settlement Summary

Spouse 1 Settlement

Assets Received $425,000

Monthly Child Support -$2,833

Monthly Alimony -$2,333

Net Monthly Change -$5,166

Spouse 2 Settlement

Assets Received $425,000

Monthly Child Support +$2,833

Monthly Alimony +$2,333

Net Monthly Change +$5,166

Tax & Cost of Living Insights

Tax Implications

• Spouse 2 qualifies as Head of Household
• Alimony non-deductible (post-2018 rules)
• Child support remains non-deductible

Relocation Impact

• Relocating could reduce expenses by 30%
• Child support may decrease 15% if moving
• Housing costs significantly lower in comparison cities

Settlement Recommendations

Consider trading $100,000 of retirement assets for reduced alimony duration from 6 to 4 years.

If Spouse 1 keeps marital home, offset with additional $175,000 from investment accounts to Spouse 2.

Include college expense provision: Each parent contributes 50% of state university costs.

Quick Settlement Summary

Total Assets $850,000

Child Support $2,833/mo

Spousal Support $2,333/mo

Custody Split 65%/35%

Total Monthly Support: $5,166

Combined child and spousal support payments

State Law Guide

California Law

• Community Property State
• Assets split 50/50
• Child support formula: Income Shares
• Alimony formula: Specific calculation

This calculator provides estimates. Consult with a family law attorney for legal advice.

Tax Implications

Child Support Non-deductible

Spousal Support Non-deductible*

Property Transfer Tax-free

Home Sale $250k/$500k exclusion

*For divorces finalized after 2018 under TCJA. For pre-2019 divorces, alimony is deductible for payer and taxable for recipient.

Next Steps

1

Gather financial documents

2

Consult with family law attorney

3

Consider mediation options

4

Prepare settlement proposal

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This calculator provides estimates based on state laws and guidelines. It is not legal advice. Consult with a qualified family law attorney for your specific situation. Tax data from IRS projections • Cost of living data from Umbeo API

Calculations are based on 2025 guidelines and may not reflect recent legislative changes.

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