The asset worksheet: what there is to divide

Before anybody argues about splitting it, somebody has to write it down. This is the list, with the one column that actually decides your case — not what each thing is worth, but whether it belongs to both of you, to one of you, or is the thing you disagree about.

What this tool is, and is not

It is arithmetic on numbers you type, and nothing more. It is not advice, it is not a prediction, and it does not know your state, your judge or your facts. No court is bound by anything it shows. Use it to see the shape of your situation and to work out which questions to take to somebody who can actually answer them.

Nothing you enter leaves your browser. There is no account, no server, and nothing is saved — close the tab and it is gone. That is deliberate: this is how the whole site works.

What you own

Values first, then the column on the right. Mark something as disputed the moment you are not sure — that column is the useful output of this whole exercise.

Asset
Value
Whose is it?
The family homeMarket value, not what is owed on it. The mortgage goes in the debts below.
Any other propertyA second home, a rental, land, a timeshare.
Current and savings accountsEverything, including the account only one of you uses.
Brokerage and investmentsShares, funds, bonds, crypto.
Workplace retirement accountsA 401(k), 403(b) or similar. Divided by QDRO, not by the decree alone.
PensionsA defined benefit pension has a value even though no balance appears anywhere.
IRAsDivided differently from a 401(k), and getting it wrong is taxable.
A business or a share of oneYour honest guess. A real valuation is expert work.
VehiclesCars, boats, motorbikes, trailers.
ValuablesJewelry, art, collections, anything individually significant.
Anything elseLoans owed to you, deferred compensation, stock options, an expected inheritance already received.

What you owe

Debt is divided along with assets, and marking it the same way matters just as much. Remember that whatever a decree says, a lender is not bound by it. Why that costs people.

Debt
Value
Whose is it?
MortgagesOn every property above.
Credit cardsWhoever the statement is addressed to.
LoansCar finance, personal loans, student loans, family loans.
Tax owedIncluding anything from a joint return.
Any other debt
The marital estateWhat you have marked as belonging to both of you, minus the debt you marked the same way
Half of itA reference point, not an entitlement. Only community property states start from equal
Marked as mineSeparate property, if it stayed separate
Marked as theirsSame test, other side
DisputedThis is what the case is about

The three mistakes people make filling this in

Netting the house against the mortgage in one line. Put the value in the assets and the mortgage in the debts, because they can be awarded to different people. Leaving out the pension because no statement shows a balance. It is often the largest thing on the list. Marking an inheritance as separate without checking where it went. Separate money that landed in a joint account is the single most contested item in this exercise. Why that happens.

What to do with this once it is filled in

Take a screenshot or write the totals down, because nothing here is saved. Then go and get the documents that prove each line, because a schedule you cannot evidence is a wish list. The documents, and which line of which one shows what, are here: know what you own.

Built 31 August 2026. If a category is missing that should be here, tell us.

If you want a name

We can introduce you to an agent who has done this kind of sale before — someone who knows what an automatic order does to a listing, and how to work a sale where the two owners are not speaking. There is no cost for the conversation and no obligation.

Ask for an introduction to an agent → — who we would introduce you to, what the referral fee is and who pays it, and why the answer is sometimes that you should not sell at all.

Keep reading

Sources last checked2 September 2026
Page published2 September 2026
What this means. This is when the sources on this page were last read against their originals — statutes, court rules, official schedules — taken from the date this page was built from its sources. It is not the date the page was last edited. Adding a link or fixing a typo does not move it; re-reading the statute does. Law changes without notice, so treat anything time-sensitive as needing a fresh check. Where we get something wrong we publish it at thecusp.app/corrections with the date, what changed, and how long the error was live.