Free calculator
Property pool calculator: what's actually in the pot
Before anyone argues about percentages, you need to know what there is to divide. Add up what each of you owns and owes, including super, and see the whole pool in one place. Nothing you enter is stored or sent anywhere.
What each of you owns and owes
“Partner” covers a spouse, a de facto and an ex. Leave anything you don't know blank, and type amounts however suits you: 450000, 450,000 or 450k.
Assets
Family home
What it would sell for today, not what you paid. The mortgage goes in the debts.
Other real estate
Investment properties, land, a holiday house.
Cars, boats and caravans
Savings and cash
Shares, crypto and other investments
Business interests
Your best figure. A business usually needs a formal valuation.
Other assets
Furniture, tools, collections, money owed to you.
Superannuation
The latest balance on each fund statement.
Debts
Home and property loans
Car and personal loans
Credit cards and buy now, pay later
Tax owing and other debts
A total, not an outcome. This adds up the figures you enter and shows what each of you holds today. It does not predict how the pool would be divided, by agreement or by a court, because that depends on things it cannot assess: what each of you contributed, financially and otherwise (including caring for children and the home), the effect of any family violence, what each of you will need in future, and whether the result is just and equitable. The figures are only as good as the values you enter; homes, businesses and some superannuation interests usually need a formal valuation. It is general information, not legal advice. For advice on your situation, book a strategy session.
Forge acts in every state and territory except Western Australia.
How a settlement works
Four steps, in this order. This calculator does the first.
Two things to know
Both of you must disclose everything. Every account, asset and debt, including the ones you would rather leave out. Full and frank disclosure, explained.
There is a time limit to apply. Twelve months from the divorce order taking effect, or two years from a de facto separation. Check your date.
Straight answers
What goes into the property pool?
Everything either of you owns and everything either of you owes: in your name, in your partner's or in both, wherever it is and whenever it was acquired. The house, other real estate, vehicles, savings, shares, crypto, business interests and superannuation all go in, and the debts come off. Assets one of you brought into the relationship, inherited or picked up after separation still go in the pool; how they are treated is a question for the contributions step.
Is superannuation part of the property pool?
Yes. Super is treated as property in a settlement, even though it usually can't be touched until retirement. It can be split by agreement or by court order, which moves an amount from one person's fund to the other's; it does not turn it into cash. Defined benefit funds and some public sector schemes need a formal valuation, so the figure on the statement may not be the figure that counts.
Will this tell me how the pool would be split?
No. A list of figures can't. How a pool is divided turns on what each of you contributed, financially and otherwise, the effect of any family violence, what each of you will need in future, and whether the result is just and equitable. Working that through on your facts is what a strategy session is for.
What value should I put on the house?
What it would sell for today, not what you paid for it. Put the mortgage in the debts rather than taking it off the house, so the calculator shows both. If the two of you can't agree on a figure, the usual answer is a valuation by one expert you both use. An agent's appraisal is a starting point, not a valuation.
Do debts in one person's name count?
Usually, yes. Debts in either name or in both generally come off the pool, which is why the calculator subtracts them. How a particular debt is treated, for example one run up after separation or one the other person knew nothing about, is part of the advice on your situation.
Is there a time limit for property settlement?
Yes. For a marriage, twelve months from the day the divorce order takes effect. For a de facto relationship, two years from the date you separated. After that you need the court's permission to apply, and it does not have to give it. The property time-limit calculator works out your date.
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