Three steps from separation to clarity
The calculator is designed for people who want to understand their situation before they engage a lawyer. Here is exactly how it works and what you get at the end.
Before you start: what to have ready
You don’t need precise figures. Estimates are fine and you can update them as you get more information. Having approximate values for the following will give you a useful starting picture.
🏠 Property
An estimated market value of any real estate (a recent comparable sale or agent appraisal is fine) and the current mortgage balance from your last statement.
🧾 Superannuation
The member balance from the most recent super statement for both parties. If you don’t have the other person’s figure, use your best estimate — it can be updated.
💳 Savings & debts
Approximate bank account balances, any investment accounts, and significant debts (personal loans, credit cards, car finance) for both parties.
The three steps
Build your asset pool
Enter each asset and liability for both parties. The calculator builds a complete picture of the net pool — total assets minus total liabilities — and shows each item as a share of the whole.
Free · No account neededSet your adjustments
Indicate the relative contributions of each party (who paid more, who did more caregiving) and any future-needs factors (income gap, primary care of children, health). The calculator adjusts the split percentage based on your inputs.
Adjustable in real timeGet your output
See a breakdown of estimated asset values per party, a split percentage, and scenario comparisons. Download a structured PDF summary to take to a mediator or lawyer.
PDF is a paid reportWhat the output shows you
The calculator produces a scenario view of how the asset pool might be divided based on your inputs. This is not a legal determination — it is a structured way to see the numbers in one place.
You will see:
- The total net asset pool (assets minus debts)
- An estimated split percentage for each party based on your contribution and future-needs inputs
- Each asset allocated to show how a practical settlement might work
- The dollar value of each party’s estimated share
You can run multiple scenarios — for example, what happens if one party gets the house and the other gets the super, versus selling the house and splitting cash. This is where the modelling becomes genuinely useful.
The PDF report
The downloadable PDF summary is a paid feature. It contains:
- A full asset and liability schedule with your inputted values
- The estimated split and per-party asset allocation
- A plain-English summary of the assumptions used
- Scenario comparison (if you have modelled more than one)
The PDF is designed to be shared. You can use it to brief a lawyer, prepare for mediation, or share with the other party as a starting point for negotiation. Many mediators find it useful for clients to arrive with a structured view of the numbers — it reduces early-session time spent on fact-gathering.
What to do with your results
The calculator is a starting point, not an end point. Once you have a clear view of your asset pool and a sense of the numbers:
- Use it to brief a lawyer more efficiently. Instead of spending the first hour explaining your situation, you arrive with a structured summary and can focus on strategy.
- Use it in mediation. A shared view of the numbers takes the emotion out of early discussions and gives both parties a common reference point.
- Use it to identify gaps. The process of entering all assets often reveals items people had not thought to include — investment accounts, HECS debt, a part-owned business interest.
- Use it to stress-test scenarios. What if you keep the house and give up super? What if you sell everything and split cash? The calculator lets you compare these quickly.
Ready to see your numbers?
The calculator is free to use. The PDF report is available when you’re ready to take the numbers further.