Divorce Financial Planner Hub, Asset Division, After-Tax Value, Excel Workbook (Instant Download)

About this product

DIVORCE FINANCIAL PLANNER HUB — the marital balance sheet, the after-tax value of every asset, a two-column division worksheet, the house, and your budget for one. A browser app plus a 38-tab Excel workbook. Nothing you type ever leaves your device.

A certified divorce financial analyst charges $250 to $400 an hour to do exactly that work. This is that work, in a file you open by double-clicking it.

WHAT YOU GET — INSTANT DOWNLOAD

• Divorce Financial Planner Hub (Web) — 57 screens, 200 features, three settlement scenarios. Opens in any browser. No install, no account, no internet needed.
• Divorce Financial Planner Hub (Excel) — 38 tabs, 1,895 live formulas, no macros. Excel, Google Sheets, LibreOffice, Numbers.
• Quick Start Guide (PDF) — 10 pages, including a glossary of the thirty terms you are about to hear a great deal of.
• All 200 Features (PDF) — the complete list, grouped.
• A complete worked example — a $1.2M marital estate, 22 assets, 10 debts, three scenarios and eight months of legal bills. Nothing is ever a blank page. One click wipes it and starts you fresh.

THE FIVE ENGINES

THE DIVISION WORKSHEET
Click a letter beside every asset and every debt — yours, theirs, or a percentage of each. The two columns total as you type, and the equalisation payment recalculates: who pays whom, how much, to land on whatever target split you are working toward. Then four ways to fund that payment without cash, priced on your own numbers.

AFTER-TAX VALUE
$100,000 in a 401(k), $100,000 in a Roth and $100,000 of house equity are three different amounts of money. Pre-tax money carries income tax at the owner's marginal rate. Taxable accounts carry the gain above basis. Property carries the cost of selling it, and a home carries the gain above the §121 exclusion. Second-hand furniture is worth resale, not replacement. Every line is priced the way it would actually come out — and then the face-value split is shown beside the after-tax one.

COVERTURE AND THE TIME RULE
A plan someone joined before the marriage is not all marital. Both accepted methods are run side by side — the coverture fraction and subtracting the premarital balance with its growth — with the dollar gap between them shown, because they rarely agree. Pensions get frozen coverture against the time rule, plus a survivor-benefit warning. Unvested RSUs and options get the time rule per grant, calculated to the day.

THE HOUSE
Cost of sale, net proceeds, buyout at any equity split. Keep against sell-and-invest over five years — what you are actually worth at the end of each path. The §121 exclusion at single against joint. And the refinance affordability test: front-end and back-end ratios on one income, with a switch for whether support counts as qualifying income, and the same loan priced at seven rates. Every keep-the-house plan lives or dies on that screen.

THE BUDGET FOR ONE
Sixty-plus lines across twelve categories, in two columns: what the household spends now, and what you will spend alone. The delta column is where the real conversation is. Then the surplus or shortfall with support and without it — because the second number is what happens on the day support ends, and that date is already in the agreement.

AND THE REST OF IT

• Asset and debt registers with marital / separate / mixed on every line, and a tracing worksheet for the money you brought in
• Up to six settlement scenarios compared on eleven measures, plus an offer-and-counter log
• Support: post-2018 and pre-2019 alimony tax treatment both modelled, a step-down calendar, a payment ledger with running arrears, and shared children's expenses
• Legal cost: retainer trust ledger, burn rate, the date it runs out, cost by issue — and the legal spend on each disputed item beside what that item is actually worth
• A 96-item document checklist weighted by priority, a statement inventory with a month grid and a gap detector, a discovery register, and a financial-affidavit builder
• The day after: a live COBRA countdown, beneficiary and estate updates, credit protection, the ten-year Social Security and military 10/10 checks, name change, and a post-decree obligation register
• Five printable reports — balance sheet, division proposal, budget, attorney packet, document checklist

PRIVACY, AND BACKUP

A financial affidavit is the most sensitive thing most people ever write down about themselves, and they write it precisely when someone they live with has become adverse to them.

So there is no account, no server and no upload. The app makes no network calls at all — turn off your wifi and every screen still works. There is a four-digit PIN lock, and an instant screen blur on one key.

For backup, the app hands you a single dated file and shows you step by step where to put it: Google Drive, Dropbox, OneDrive, iCloud Drive or a plain USB stick, including how to sync the app itself between two computers. It never touches those services itself — your own sync client does, the way it already does for everything else. There is a reminder with an overdue badge, a restore, and a toggle for whether your private journal travels with the backup. The journal is left out by default, and it is excluded from every export and every printout.

PLEASE READ

This is an organising and arithmetic tool. It is NOT legal, tax or financial advice, and it is not a substitute for an attorney, an accountant or a certified divorce financial analyst.

It is state-neutral by design: it does not know your state's rules on property division, it does not calculate guideline child or spousal support, and it never tells you what a fair split is. Every derived number is arithmetic on entries you make yourself. The two sides are "Column A" and "Column B" — rename them to anything you like.

Take the printouts to your professionals. You will get better advice, in less billable time. That is the point.

HOW TO OPEN IT

Download, unzip, double-click the HTML file. It opens in your browser like a web page, except there is no web. Works on Windows, Mac, Linux and Chromebook; readable on a tablet. The Excel file opens wherever you normally open spreadsheets.

Because this is a digital download, all sales are final — but if anything does not work, message me and I will fix it.

Instant download. Yours forever. No subscription, ever.