Calculator Tools
Divorce Calculators & Financial Planning Tools
CDFA-level financial tools powered by Victoria AI — not static wizards or rough estimates. Victoria walks you through each calculation conversationally, taps into jurisdiction-specific statutes and guidelines, and explains results in plain language with real citations.
Most Essential
Start with these three calculations — they drive 90% of divorce settlements.
Financial Essentials
Core calculations that drive every divorce settlement
Divorce Cost Estimator
Understand the full cost of divorce in your state -- filing fees, attorney costs, mediation vs. litigation, and hidden expenses. Based on real filing fee data and local attorney rates.
Filing fees from court recordsDebt Division Calculator
Understand how marital debt is divided in your state — mortgage, car loans, credit cards, student loans, and medical bills. Victoria explains community debt vs. equitable distribution rules and what happens to debt in only one spouse's name.
Community debt vs. equitable distributionLong-Term Planning
Retirement, taxes, and post-divorce financial security
Retirement & QDRO Calculator
Understand how retirement accounts are divided in divorce. Victoria explains QDROs, 401(k) splits, pension valuations, IRA transfers, and early withdrawal penalties — with jurisdiction-specific rules.
401(k), pension & IRA division rulesTax Impact Calculator
Understand how divorce changes your taxes. Victoria analyzes filing status changes, alimony tax treatment, capital gains on asset transfers, dependency exemptions, and retirement distribution penalties.
Filing status, capital gains & alimony tax rulesSocial Security Divorce Benefits Calculator
Find out if you qualify for Social Security benefits based on your ex-spouse's record. Victoria explains the 10-year marriage rule, benefit amounts, remarriage impact, and how to maximize your claim.
The 10-year marriage rule explainedPost-Divorce Budget Planner
Plan your financial life after divorce. Victoria helps you build a realistic monthly budget accounting for single-income housing, insurance changes, child-related costs, and new expenses you may not have considered.
Build a realistic single-income budgetPractical Tools
Timeline, custody, assets, and process guidance
Divorce Timeline Estimator
Estimate how long your divorce will take based on your jurisdiction's waiting periods, residency requirements, and whether your case is contested or uncontested.
Waiting periods & residency requirementsParenting Time Calculator
Calculate each parent's custody percentage from your parenting schedule. Victoria converts alternating weeks, 5-2-2-5, every-other-weekend, and custom arrangements into precise percentages — critical for child support calculations in every state.
Schedule-to-percentage conversionHidden Assets Checklist
Protect yourself during discovery. Victoria guides you through a comprehensive financial investigation checklist — tax returns, business interests, cryptocurrency, offshore accounts, and the red flags CDFAs look for.
CDFA-level financial discovery guidanceMortgage Qualification Estimator
Find out if you can afford to keep the house. Victoria estimates your post-divorce mortgage qualification based on single income, alimony/support received, debt-to-income ratios, and current rates.
Can you afford to keep the house?Divorce Name Change Checklist
Step-by-step guide to changing your name after divorce. Victoria walks you through Social Security, DMV, passport, banks, employer, insurance, and every other institution — with your state's specific court order requirements and forms.
SSA, DMV, passport, banks & moreSpecialized Circumstances
Military divorce, college costs, and legal separation
Military Divorce Calculator
Navigate military divorce with Victoria's guidance on the Uniformed Services Former Spouses' Protection Act, the 10/10 rule for direct DFAS payments, Thrift Savings Plan division, Survivor Benefit Plan, VA disability offset, and the Blended Retirement System.
USFSPA 10/10 rule & Blended Retirement SystemCollege Cost Contribution Estimator
Find out if your state can order divorced parents to contribute to college costs. Approximately 20 states have statutes allowing courts to mandate post-secondary education support — Victoria explains your state's specific rules, income factors, and cap limits.
~20 states can mandate college costsSeparation Date Calculator
Determine when marital property and debt stop accumulating in your state. The legal date of separation is one of the most consequential dates in divorce — Victoria explains your jurisdiction's definition, how it affects property division, and what counts as separation.
Property & debt cutoff date by stateCanadian Tools
Purpose-built for Canada's federal and provincial family law frameworks
Canadian Child Support Calculator
Calculate child support using Canada's Federal Child Support Guidelines (2025 tables). Province-specific table amounts, Section 7 special expense sharing, and the 40% shared parenting time threshold — including Quebec's separate model.
Federal Child Support Tables (2025)Canadian Spousal Support (SSAG) Estimator
Estimate spousal support using the Spousal Support Advisory Guidelines. Low/mid/high ranges for both amount and duration, with-child and without-child formulas, the Rule of 65 for indefinite support, and tax-deductible/taxable treatment unique to Canada.
SSAG low/mid/high range estimatesOntario Net Family Property Calculator
Calculate your equalization payment under Ontario's Family Law Act. Net Family Property comparison for each spouse, the matrimonial home exception, RRSP pre-tax adjustments, pension Family Law Values, and excluded property rules.
Ontario Family Law Act equalizationCPP Credit Split Estimator
Estimate the impact of Canada Pension Plan credit splitting (DUPE) on future retirement benefits. Understand which provinces allow opt-out, how credits are divided during marriage, and the permanent, irreversible nature of the split.
Division of Unadjusted Pensionable EarningsCanadian Parenting Time Calculator
Calculate each parent's parenting time percentage and determine whether the 40% shared parenting threshold is met under the Federal Child Support Guidelines — which triggers the set-off formula instead of the table amount.
40% shared parenting thresholdRRSP, TFSA & RESP Division Tool
Compare the after-tax value of RRSPs, TFSAs, and RESPs for property division. RRSP pre-tax notional adjustments, TFSA full-value treatment, RESP CESG grant implications, and tax-free rollover rules (Form T2220) on marriage breakdown.
After-tax registered account comparisonCanadian Divorce Mortgage Stress Test
Determine if you can qualify to keep the family home on a single income under Canada's B-20 mortgage stress test. GDS/TDS ratio analysis, stress test rate calculations, and how spousal/child support income qualifies.
CMHC B-20 stress test qualificationQuebec Family Patrimony Calculator
Calculate the division of family patrimony (patrimoine familial) under Quebec's Civil Code. Equal division of family residences, vehicles, registered retirement plans, and pension benefits — the civil law approach unique to Quebec.
Quebec Civil Code patrimoine familial