Professional / Consumer Edition

DivorceIQ™ Financial Planner

Name: DivorceIQ™ Financial Planner
Price: 199.00 USD
Author: Whitehall Advisory

The complete financial picture — 12 calculators, guided flow, full before/after summary. Built for individuals navigating divorce and professionals working with clients.

Assets & debt division

Net estate split

Home decision

Keep vs. sell analysis

Spousal support

State-specific estimates

Retirement / QDRO

Distribution scenarios

Social Security

Divorce benefit analyzer

Tax filing impact

Annual cost of divorce

Liquid vs. illiquid

Cash-poor risk analysis

Business valuation

Earnings-based estimate

Post-divorce budget

Single-income model

Rental property

Sell, hold, or split

Life insurance needs

Secure support obligations

Debt responsibility

Credit & cash flow impact

Mediator mode available — model multiple client scenarios in session

Step 1 — Your situation

Tell us about your situation

We'll show only the calculators relevant to you.

Do you own a home together?

Retirement accounts? (401k, IRA, pension)

Rental or investment property?

Is one spouse a significantly higher earner?

Does either spouse own a business?

Marriage lasted 10+ years?

Assets & debts

Marital assets & debts

Assets

Home equity ($)

Retirement accounts ($)

Bank & investments ($)

Vehicles ($)

Business interests ($)

Other assets ($)

Debts

Mortgage balance ($)

Car loans ($)

Credit cards ($)

Student loans ($)

Other debts ($)

Division split — Spouse 1 gets

50 / 50

Home decision

Keep the house or sell?

Market value ($)

Mortgage balance ($)↑ Auto-filled from Assets. You can override.

Current rate (%)

Refi rate (%)

Years remaining

Your monthly income ($)↑ Auto-filled from Support section. You can override.

Property tax /mo ($)

Insurance + HOA /mo ($)

Selling costs (%)

Your equity share (%)

Spousal support

Spousal support estimate

Higher earner annual income ($)

Lower earner annual income ($)

Years married

State

Lower earner monthly expenses ($)

Earning capacity

Support type

Retirement / QDRO

Retirement account division

Account type

Account value ($)↑ Auto-filled from Assets. You can override.

Marital portion (%)

Spouse's share (%)

Owner's age

Recipient's age

Planned withdrawal age

Growth rate (%)

Advanced calculator

Social Security

Social Security benefit analyzer

Divorcing spouses married 10+ years may claim up to 50% of an ex-spouse's Social Security benefit — one of the most overlooked assets in divorce.

Your estimated SS benefit at 67 ($/mo)

Ex-spouse's estimated SS benefit at 67 ($/mo)

Your current age

Years married

Planned SS claim age

Are you currently remarried?

Life expectancy estimate (age)

Advanced calculator

Tax filing impact

Annual tax cost of divorce

Divorce changes your filing status, deductions, and tax bracket — often adding thousands in annual taxes most people don't anticipate.

Combined marital income ($)

Spouse 1 individual income ($)↑ Auto-filled from Support. You can override.

Spouse 2 individual income ($)↑ Auto-filled from Support. You can override.

Dependent children

Children reside primarily with

Itemized deductions — married ($)

State income tax rate (%)

Advanced calculator

Asset liquidity

Liquid vs. illiquid asset analysis

Many people "win" the house and end up cash-poor. This shows the liquidity cost of different settlement structures.

Your proposed settlement

Cash & liquid investments ($)↑ Auto-filled from Assets × your split. You can override.

Home equity received ($)↑ Auto-filled from Assets × your split. You can override.

Retirement (locked until 59½) ($)↑ Auto-filled from Assets × your split. You can override.

Other illiquid assets ($)

Monthly cash needs

Monthly housing costs ($)

Other monthly expenses ($)

Monthly income after divorce ($)↑ Auto-filled from Support (lower earner income ÷ 12). You can override.

Emergency fund target (months)

Advanced calculator

Rental / investment property

Investment property: sell, hold, or split?

Rental properties carry current equity, ongoing income, tax benefits, and capital gains implications. This calculator shows the real economics of each disposition option.

Property details

Current market value ($)

Mortgage balance ($)

Original purchase price / cost basis ($)

Your marital ownership (%)

Selling costs (%)

Rental income & expenses

Gross monthly rent ($)

Monthly expenses — mortgage, tax, ins, mgmt ($)

Annual depreciation deduction ($)

Your marginal income tax rate (%)

Disposition scenario to model

Advanced calculator

Business valuation

Business valuation estimate

A simplified earnings-based valuation as a starting point for negotiation. A forensic accountant is recommended for contested businesses over $250,000.

Business type

Annual net revenue ($)

Annual owner compensation ($)

Annual business expenses ($)

Years in operation

Your marital ownership (%)

Business debt ($)

Tangible assets ($)

Advanced calculator

Life insurance needs

Life insurance to secure support obligations

If the support-paying spouse dies, support payments stop. A term life policy named in the divorce decree protects the receiving spouse. This calculator determines the coverage needed.

Monthly support amount ($) ↑ Auto-filled from Support calculation. You can override.

Support duration (years) ↑ Auto-filled from Support calculation. You can override.

Paying spouse's age

Assumed discount / investment rate (%)

Additional child support /mo ($)

Child support years remaining

Advanced calculator

Debt responsibility

Debt assignment & credit impact

Who takes which debts matters as much as who gets which assets. Joint debt remains your legal obligation to creditors even if your spouse is ordered to pay it.

Debts assigned to Spouse 1

Mortgage / HELOC ($)

Car loan ($)

Credit cards ($)

Student loans ($)

Other debts ($)

Spouse 1 monthly income ($) ↑ Auto-filled from Support. You can override.

Debts assigned to Spouse 2

Mortgage / HELOC ($)

Car loan ($)

Credit cards ($)

Student loans ($)

Other debts ($)

Spouse 2 monthly income ($) ↑ Auto-filled from Support. You can override.

Are any debts joint accounts (both names on them)?

Advanced calculator

Post-divorce budget

Single-income household budget

Monthly income

Gross monthly pay ($)↑ Auto-filled from Support (lower earner annual ÷ 12). You can override.

Spousal support received ($)

Net rental income ($)↑ Auto-filled from Rental (gross rent − expenses). You can override.

Other income ($)

Monthly expenses

Housing ($)

Utilities & internet ($)

Food & groceries ($)

Transportation ($)

Insurance ($)

Debt payments ($)

Other expenses ($)

Your complete financial plan

Full report

Review each section below.

Ready to take the next step?

Schedule a neutral advisory session or mediation consultation with Whitehall Advisory.

Schedule a consultation

This tool provides estimates only and does not constitute legal, tax, or financial advice. All figures are approximations. Consult a qualified attorney, CDFA, CPA, or financial advisor before making decisions. Whitehall Advisory | whitehalladvisory.com

DivorceIQ™ Financial Planner

Client Case Management

Tell us about your situation

Marital assets & debts

Keep the house or sell?

Spousal support estimate

Retirement account division

Social Security benefit analyzer

Annual tax cost of divorce

Liquid vs. illiquid asset analysis

Investment property: sell, hold, or split?

Business valuation estimate

Life insurance to secure support obligations

Debt assignment & credit impact

Single-income household budget

Your complete financial plan