Property Settlement Calculator

Calculate the Net Property Pool

Debts are positive; adjustment costs negative, additions positive. Allocate adjustments to A and B.

Enter debts as positive amounts. For a pool adjustment, enter costs as negative amounts and additions as positive amounts. Allocate the adjustment between A and B.

Add each asset and debt once. Current ownership is a record only. The retention percentage decides who keeps an asset or assumes a debt in this scenario.

The net property pool is the total asset value less debts, plus signed pool adjustments. This calculator keeps superannuation outside that pool.

For example, an $800,000 house and $50,000 cash, less a $300,000 mortgage, leave $550,000. If A keeps the house and mortgage, A retains $500,000 before equalisation. B retains $50,000 cash.

A debt larger than its asset creates negative equity. An asset worth $100,000 with a $120,000 debt leaves a negative $20,000 pool. A 50% split allocates a net debt of $10,000 to each party.

Super balances stay in their separate record and cannot fund this worksheet’s equalisation payment. Use the divorce superannuation calculator for a proposed super split.

Compare Divorce Asset Splits

For a separation or divorce in Australia, compare the net property pool, chosen percentages and equalisation payment in the results. Each allocation can include property and debt. Arrange funding for any payment separately.

A’s proposed allocation equals the pool multiplied by A’s percentage, plus the allocation adjustment. B receives the balance. The percentages are practitioner assumptions, not predictions of court findings.

In the $550,000 example, a 60% share gives A $330,000 and B $220,000. A retains $500,000 initially, so A pays B $170,000. At 50%, each allocation is $275,000 and A pays B $225,000.

Change the proposed percentage to compare those outcomes. Download each scenario to retain its inputs and allocation. A positive allocation adjustment transfers value from B’s target to A’s target without changing the pool.

The Federal Circuit and Family Court of Australia’s property guidance explains that property division has no fixed formula. Courts consider the evidence and what is just and equitable in the circumstances.

Solve for a Settlement Amount

For a positive pool, the required percentage is the target amount less A’s allocation adjustment, divided by the pool, then multiplied by 100. The target is a net non-super allocation.

With no allocation adjustment, a $350,000 target from a $550,000 pool needs 63.64%. The displayed percentage rounds to two decimal places. Zero or negative pools have no target-percentage result.

A target outside the 0% to 100% range is flagged. The worksheet still shows the proposed split so you can compare it with the target.

Use separate scenarios for disputed valuations, sale costs or tax. A negative $20,000 sale-cost adjustment reduces the example pool to $530,000. At 60%, A’s target becomes $318,000.

Allocate each cost to the party bearing it. If A bears all $20,000, A’s retained net value falls to $480,000 and A pays B $162,000. Do not deduct that cost again elsewhere.

Read the Settlement Scenario

The exported schedule records entered values and current ownership, proposed retention percentages and signed pool adjustments. It also records both net allocations, the equalisation direction and the separate super balances.

Each row rounds A’s retained share to cents and assigns the remainder to B. Proposed allocations use the same approach, so both sides reconcile to the entered pool.

A revised valuation changes the pool and both targets. Moving an unchanged asset between parties changes the equalisation payment without changing the pool.

The payment is the amount needed to move from retained net values to proposed allocations. It does not establish borrowing capacity or release a borrower from a lender’s debt.

Keep the exported scenario with its supporting valuations. The property settlement guide explains the legal process and evidence behind an agreement or application.