Best free divorce calculators (2026), compared

Updated September 2026. Every rule on this page links to its official source. How we make our numbers.

Almost every "divorce calculator" list you will find is an ad. This one is written by people who build four of the calculators on it, so read it with that in mind, and check every claim against the source links. We fetched each competitor's own public page in September 2026 and quote what they say about themselves rather than what we would like them to say.

One thing to know before the table: no free calculator can tell you what you are entitled to. Property division and support are decided by state law, by a judge or by the two of you. A calculator gives you a baseline and better questions, and that is worth a great deal on its own.

How we compared them

Five criteria, chosen because they are the ones that actually change the answer:

• Divorce-aware? Does it know that a marriage is ending, or is it a general money tool you have to bend?
• Free? With no upsell to a paid plan to see the result.
• No signup? Can you use it without an account or an email address?
• Shows its formulas? Is the method published, so you or your advisor can check it?
• Handles ex-spouse Social Security? The single most commonly missed number in a divorce after 40.

SSA's own tools: authoritative for your record, blind to his

Nothing beats Social Security's own numbers for your own work history. SSA's retirement page tells you to "Check your Social Security account to see if you're eligible and how much you'll get when you apply at different times between age 62 and 70," and offers a sign-in or a create-account link (SSA). That account reads your real earnings record, which is why it is more accurate than any calculator, ours included.

If you do not want an account, SSA's Quick Calculator works from your date of birth and your current earnings. SSA is candid about the trade-off: "For security, the Quick Calculator does not access your earnings record; instead, it will estimate your earnings based on information you provide. So benefit estimates made by the Quick Calculator are rough."

The gap is the divorced-spouse question. SSA's Benefits for Spouses page will tell you the effect of claiming early "as a percentage of the worker's primary insurance amount," and confirms the spousal benefit "can be as much as half of the worker's primary insurance amount," dropping to "as little as 32.5 percent" at 62. That is a percentage of a number most divorced women do not have. Without his benefit figure, SSA's tools cannot hand you a dollar amount.

AARP's Social Security calculator: good, and honest about its limit

AARP's calculator estimates your own monthly retirement benefit at different claiming ages, free and with no account. It is well built and easy to read. It also states its own boundary clearly: "Our calculator does not calculate spouse, divorced-spouse or survivor benefits," and directs you to the SSA website for those (AARP). We would rather point you at a tool that says what it cannot do than one that quietly guesses.

Use AARP for the "should I claim at 62, 67 or 70" question on your own record. Use something else for the ex-spouse question.

Divorce.law: the broadest free set, from a lawyer-matching service

Divorce.law publishes what it describes as 25 calculator tools, including child support, alimony, property division, debt division, a retirement and QDRO calculator, a tax impact calculator, a Social Security divorce benefits calculator, a post-divorce budget planner, a mortgage qualification estimator and a set of Canadian tools (Divorce.law). That is genuinely the widest free coverage of any site we looked at, and the Social Security divorce tool is a real one, not a redirect.

Two things to know. First, the tools run through a conversational AI the site calls Victoria, and it markets them as "CDFA-level financial tools powered by Victoria AI." Conversational answers are easy to read and hard to audit: we could not find published formulas behind them. Second, the site's own description of itself is an attorney-matching service, so the tools sit inside a funnel toward hiring a lawyer. That is a legitimate business model, and it is worth knowing which product you are the customer of.

Family Law Software: the professional standard, and not free

Family Law Software is the long-established tool that many attorneys, CPAs and CDFAs actually run cases on. It handles tax calculations, investment growth, liquidations including penalties, required minimum distributions, Social Security timing, defined benefit pension valuations, and spousal and child support.

It is priced for professionals. The published editions are Cloud Basic at $39.95 a month plus a $99 initial charge, Cloud Individual at $69.95 a month plus $99, and a Firm edition at $79.95 a month plus $99 (Family Law Software). We could not find a separately priced consumer edition on the public pricing page, so if someone quotes you a flat consumer price, ask to see it. In practice, most people meet this software through the professional they hire rather than buying it themselves.

General retirement calculators: solid, and not divorce-aware

Personal finance sites publish good, free, no-signup retirement calculators. NerdWallet's, for example, publishes its default assumptions up front: retirement age 67, a 6% rate of return before retirement and 5% during, 3% annual inflation, 2% salary increases and a life expectancy of 95, all editable (NerdWallet). Publishing the assumptions is exactly the right behaviour, and we hold ourselves to the same standard.

What they cannot do is the divorce part. There is no place to enter a marital portion, no coverture fraction for a pension, no QDRO flag and no ex-spouse benefit. Use one of these after the split is settled, to plan the household you will actually have. Do not use one to decide the split.

On Her Own Feet's four calculators, and where we fall short

We built four tools, all free, all with no signup, and none of them send what you type to a server:

• Ex-Spouse Social Security Estimator. The one we built first, because it is the gap in every other free tool. It works from his typical income when you do not have his benefit figure, and it splits the answer into your own benefit and the top-up from his record, because the two grow differently after 67.
• Marital Share Estimator. The marital portion of a 401(k), IRA or pension, using the subtraction method for account balances and the coverture fraction for pensions, with a 50/50 starting point in community property states and a 40% to 60% band in equitable distribution states.
• House vs. 401(k) Comparison. The house against the retirement money, after tax, because a pre-tax dollar and a home-equity dollar are not the same dollar.
• Retirement Runway Calculator. How many years the settlement funds at your spending level, and what monthly budget lasts to 95.

Now the honest part. We are new. We have no decade of case history behind us, no reviewer roster, and no volume of user feedback yet. What we offer instead of a track record is transparency: every formula, bend point, reduction factor and assumption we use is written out on how we make our numbers, with links to the SSA and IRS pages each one came from. If a number of ours looks wrong, you can find out why in about two minutes. Very few tools on this page let you do that.

We also do not do several things. No child support and no alimony calculators, because those are state formula and judge territory and we will not fake precision there. No state-by-state property division numbers beyond the regime bands. And nothing that tells you what to accept.

Which to use, in order

1. Your own Social Security record. Create a my Social Security account. It is your data, not his, and it beats every estimate.
2. The ex-spouse question. Use our Ex-Spouse Social Security Estimator, or Divorce.law's, if you were married ten years or more.
3. The retirement split. Our Marital Share Estimator, then read whether your state is community property or equitable distribution.
4. The house decision. Our House vs. 401(k) Comparison.
5. Life after. Our Retirement Runway Calculator, or any good general retirement calculator once the split is fixed.
6. Then a human. Take the numbers to a professional. Start with who you actually need.

Frequently asked questions

Sources: SSA, Plan for Retirement · SSA, Quick Calculator · SSA, Benefits for Spouses · AARP, Social Security Benefits Calculator · Divorce.law, Calculators and Tools · Family Law Software, Pricing · NerdWallet, Retirement Calculator · On Her Own Feet, How we make our numbers. Every competitor page was fetched and quoted in September 2026. Products change: if you find a claim here that no longer matches the source page, the source page is right and we are wrong.