Marital Asset Division Calculator
ANA›Life Services Authority›National Calculator Authority›Marital Asset Division Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Marital Asset Division Calculator
Estimate how marital assets and debts may be divided between spouses based on each party's financial contributions and applicable division method.
Division Method
Equitable Distribution (contribution-based) Community Property (50/50 split)
Spouse A Contribution % (0–100)
Spouse B Contribution % (auto-calculated)
Marital Assets
Primary Home Value ($)
Home Mortgage Balance ($)
Investment / Brokerage Accounts ($)
Retirement Accounts (marital portion, $)
Vehicles Total Value ($)
Vehicle Loan Balances ($)
Savings / Checking Accounts ($)
Other Marital Assets ($)
Other Marital Debts / Liabilities ($)
Separate (Non-Marital) Property
Spouse A Separate Property ($) excluded from division
Spouse B Separate Property ($) excluded from division
Calculate Division
function marUpdateMethod() { var method = document.getElementById('mar_method').value; var row = document.getElementById('mar_contribution_row'); row.style.display = (method === 'equal') ? 'none' : 'block'; }
function marSyncContrib() { var a = parseFloat(document.getElementById('mar_contrib_a').value) || 0; a = Math.min(100, Math.max(0, a)); document.getElementById('mar_contrib_b').value = (100 - a).toFixed(1); }
function marGetVal(id) { var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? 0 : Math.max(0, v); }
function marFmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }
function marCalc() { // --- Inputs --- var method = document.getElementById('mar_method').value; var contribA = parseFloat(document.getElementById('mar_contrib_a').value); var home = marGetVal('mar_home'); var mortgage = marGetVal('mar_home_mortgage'); var invest = marGetVal('mar_investments'); var retire = marGetVal('mar_retirement'); var vehicles = marGetVal('mar_vehicles'); var vehLoans = marGetVal('mar_vehicle_loans'); var savings = marGetVal('mar_savings'); var otherA = marGetVal('mar_other_assets'); var otherD = marGetVal('mar_other_debts'); var sepA = marGetVal('mar_sep_a'); var sepB = marGetVal('mar_sep_b');
// --- Validation --- var errors = []; if (method === 'equitable') { if (isNaN(contribA) || contribA 100) { errors.push('Spouse A contribution must be between 0 and 100.'); } } if (mortgage > home) errors.push('Mortgage balance cannot exceed home value.'); if (vehLoans > vehicles) errors.push('Vehicle loan balance cannot exceed vehicle value.');
var resultDiv = document.getElementById('mar_result'); if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = 'Please fix the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }
// --- Core Calculations --- // Gross marital assets var grossAssets = home + invest + retire + vehicles + savings + otherA; // Total marital debts var grossDebts = mortgage + vehLoans + otherD; // Net marital estate var netEstate = grossAssets - grossDebts;
// Home equity var homeEquity = home - mortgage; // Net vehicle value var netVehicles = vehicles - vehLoans;
// Determine split percentages var pctA, pctB; if (method === 'equal') { pctA = 0.50; pctB = 0.50; } else { pctA = contribA / 100; pctB = 1 - pctA; }
// Spouse shares of net marital estate var shareA = netEstate * pctA; var shareB = netEstate * pctB;
// Total net worth including separate property var totalNetA = shareA + sepA; var totalNetB = shareB + sepB;
// Asset-level breakdown (gross assets split, then debts allocated proportionally) var homeEquityA = homeEquity * pctA; var homeEquityB = homeEquity * pctB; var investA = invest * pctA; var investB = invest * pctB; var retireA = retire * pctA; var retireB = retire * pctB; var vehiclesA = netVehicles * pctA; var vehiclesB = netVehicles * pctB; var savingsA = savings * pctA; var savingsB = savings * pctB; var otherNetA_val = (otherA - otherD) * pctA; var otherNetB_val = (otherA - otherD) * pctB;
// Equalization payment: if one spouse receives more liquid assets, the other may owe a payment var diff = Math.abs(shareA - shareB); var equalizationNote = ''; if (method === 'equitable' && Math.abs(pctA - pctB) > 0.001) { var higherSpouse = shareA > shareB ? 'A' : 'B'; equalizationNote = 'An equalization payment of ' + marFmt(diff / 2) + ' may be owed by Spouse ' + higherSpouse + ' to the other spouse depending on how physical assets are allocated.
'; }
var methodLabel = method === 'equal' ? 'Community Property (50/50)' : 'Equitable Distribution (' + (pctA100).toFixed(1) + '% / ' + (pctB100).toFixed(1) + '%)';
resultDiv.style.display = 'block'; resultDiv.innerHTML = '### Division Summary ' + 'Method: ' + methodLabel + '
' +
'' + '' + 'Category' + 'Total' + 'Spouse A' + 'Spouse B' + '' +
'Home Equity' + '' + marFmt(homeEquity) + '' + '' + marFmt(homeEquityA) + '' + '' + marFmt(homeEquityB) + '' +
'Investments' + '' + marFmt(invest) + '' + '' + marFmt(investA) + '' + '' + marFmt(investB) + '' +
'Retirement Accounts' + '' + marFmt(retire) + '' + '' + marFmt(retireA) + '' + '' + marFmt(retireB) + '' +
'Vehicles (net)' + '' + marFmt(netVehicles) + '' + '' + marFmt(vehiclesA) + '' + '' + marFmt(vehiclesB) + '' +
'Savings / Checking' + '' + marFmt(savings) + '' + '' + marFmt(savingsA) + '' + '' + marFmt(savingsB) + '' +
'Other Assets (net of other debts)' + '' + marFmt(otherA - otherD) + '' + '' + marFmt(otherNetA_val) + '' + '' + marFmt(otherNetB_val) + '' +
'Net Marital Estate Share' + '' + marFmt(netEstate) + '' + '' + marFmt(shareA) + '' + '' + marFmt(shareB) + '' +
'+ Separate Property' + '' + marFmt(sepA + sepB) + '' + '' + marFmt(sepA) + '' + '' + marFmt(sepB) + '' +
'Total Net Worth (Post-Division)' + '' + marFmt(totalNetA + totalNetB) + '' + '' + marFmt(totalNetA) + '' + '' + marFmt(totalNetB) + '' +
'' +
'' + 'Key Figures:' + '' + '- Gross Marital Assets: ' + marFmt(grossAssets) + '' + '- Total Marital Debts: ' + marFmt(grossDebts) + '' + '- Net Marital Estate: ' + marFmt(netEstate) + '' + '' + equalizationNote + '' +
'⚠ This calculator provides estimates only and does not constitute legal advice. Actual division depends on jurisdiction, court discretion, and negotiated agreements. Consult a family law attorney.
'; }
// Initialize marUpdateMethod();
#### Formulas Used
Net Marital Estate
Net Marital Estate = Gross Marital Assets − Total Marital Debts
Where:
- Gross Marital Assets = Home Value + Investments + Retirement + Vehicles + Savings + Other Assets
- Total Marital Debts = Mortgage + Vehicle Loans + Other Debts
- Home Equity = Home Value − Mortgage Balance
Equitable Distribution
Spouse A Share = Net Marital Estate × (Contribution A% ÷ 100)
Spouse B Share = Net Marital Estate × (1 − Contribution A% ÷ 100)
Community Property (Equal Split)
Each Spouse Share = Net Marital Estate × 0.50
Total Post-Division Net Worth
Spouse Total = Marital Share + Separate Property
#### Assumptions & References
- Equitable distribution does not mean equal — courts in 41 U.S. states divide assets based on fairness, considering each spouse's financial and non-financial contributions.
- Community property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI) generally split marital assets 50/50.
- Separate property (pre-marital assets, inheritances, gifts) is typically excluded from division but may be subject to commingling rules.
- Retirement accounts acquired during marriage are generally marital property; a QDRO (Qualified Domestic Relations Order) is required to divide 401(k)/pension plans.
- References: Uniform Disposition of Community Property Act; IRS Publication 504 (Divorced or Separated Individuals); QDRO guidelines under ERISA §206(d).
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