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Tap any image to enlarge, then swipe or use the arrows to page through every screen.
Bring the assets, debts and proposed allocation into one planning workspace. Choose the target proportions you want to model, then see the payment required to reach them. Current legal ownership, proposed allocation and creditor release stay separate.
Test keeping or selling the home, funding a buyout and paying the costs of moving. See whether the person making an equalisation payment actually has the cash. Build two dated household budgets, including support amounts you enter, without treating a transfer between you as new money.
The reports explain the arithmetic and unresolved assumptions. This tool does not decide legal entitlement, calculate statutory support or replace a lawyer, mediator or lender. Your records stay in the local workspace unless you deliberately export them.
What you get
- Asset-and-debt inventory with valuation dates, sources and what is included.
- An explicit target split — 50/50 only if you choose it.
- Equalisation bridge: pool, positions, payment and direction.
- Home and finance scenarios: keep, sell or a new loan, with the funding gap.
- Two dated cash budgets with support transfers and irregular income.
- Planning reports, CSV exports and saved report versions.
How it works
- List the pool. Enter assets, debts and one-off costs with values, valuation dates, what is included and current legal ownership.
- Propose allocations. Assign each item to Party 1 or Party 2 in exact shares and choose the target split you want to model.
- Inspect funding. See the equalisation payment and whether allocated cash, a sale or an explicit new loan actually pays it.
- Test both budgets. Build two dated household budgets, compare a sale, a financed buyout and an income stress, and export the planning report.
Limits
Planning arithmetic under the values you enter. It does not decide legal entitlement, calculate statutory support, estimate pension tax, approve a loan or release a borrower, and it does not replace a lawyer, mediator or lender.
Questions
Is 50/50 a legal rule here?
No. It is an optional modelling target that you choose explicitly; any other target can be entered.
Does reallocating a debt release a borrower?
No. Creditor release stays as you enter it from the lender; the plan only shows who carries the debt economically.
Is a house value spendable cash?
No. A home, vehicle or pension value is not cash. Only allocated liquid cash, net sale proceeds or an explicit new loan can fund a payment.
Does the tool calculate legal support?
No. Enter agreed or proposed amounts; the tool shows how they move cash between the two budgets.
Does this use AI?
No. Calculations follow the rules and assumptions shown in the tool. The help panel explains the inputs, formulas and limitations.
What is included in a one-time purchase?
The full online tool, the self-contained offline package, a guide, templates and your own reports and backups, under the licence shown at checkout.
Is it included in PRO?
Active PRO Week, Month and Year subscribers can use the full online tool. The offline program for this new tool is included only with a one-time purchase. Your own reports and data backups are not offline-program downloads.
What happens if PRO ends?
You can still view and back up your existing local records. Creating or editing calculations requires renewed PRO or a one-time purchase. A separate one-time purchase remains valid independently of PRO.
Where are my records stored?
The calculation workspace stores records in your browser on this device. Save regular backups. Clearing browser storage can remove local records. Account and purchase records are handled separately by the website.
Can I use another language or currency?
The interface supports English, Spanish, German, French, Portuguese, Italian, Dutch and Russian. Choose your calculation currency separately from the language. Currency conversion uses the rates or assumptions you enter.
Does the demo accept my data?
No. The demo uses fictional examples and lets you inspect the workflow and sample reports. Your own inputs and imports are available in the full version.
Does this replace a professional adviser?
No. It explains calculations under your inputs. Use appropriate professional advice for legal, tax, employment, investment, credit and safety decisions.
Personal-use license for one household. No resale or redistribution. Opens in your browser right after payment, on phone and computer. Your figures stay on your device. No physical item.
Separation Settlement & Two-Home Budget Lab
A balanced split on paper still needs two workable budgets.
Check the payment, the funding and both budgets before you agree — buy once for $24.
- One-time purchase
- Full version of this tool on the site plus an offline version to download. One payment. The offline copy works without a subscription.
- Access with PRO
- Full version on the site while your PRO is active. Export of your results and backups is included. The offline program is bought separately.
Pay by card, Apple Pay or Google Pay
- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: Any modern browser · phone and computer · offline HTML file · CSV & printable reports · 8 languages
- Refund within 14 days, for any purchase
- Formats: Interactive tool in your browser — phone and computer; PDF & CSV export
- Interactive browser app · phone and computer · downloadable offline version.
- Money in exact decimals; each value rounded once to the currency's smallest unit.
- Party shares split exactly (largest remainder); Net 1 + Net 2 = Pool.
- Budgets of 1–600 months, checked date by date (payments before receipts).
- CSV (UTF-8) and XLSX imports: assets, debts, budget rows.
- Local workspace storage, complete backups and CSV exports.
- Printable planning report (A4 or US Letter) marked as a planning scenario.
- 8 languages; any currency.
- No AI required.
- One-time purchase.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
