NEWBuilt for everyday families, not lawyers

Do not enter mediation
guessing.
Build your personalised
divorce settlement report.

Answer guided questions about your home, pensions, income, debts, children and future needs. DivorceIQ turns your answers into a personalised report you can use for mediation, solicitor conversations or your own settlement planning.

Start My Settlement Report
🆘Can't afford to leave? Explore free court fee-waivers and emergency legal aid pathways.
🔒 Private & encrypted⚖️ Court-aligned method📊 Section 25 + CMS💷 From £29🇬🇧 England & Wales
DIVORCEIQ SETTLEMENT REPORTCONFIDENTIAL

FINANCIAL DISCLOSURE ASSESSMENT

Personalised divorce settlement report

Section 25 + CMS
LOW£195kconservative
LIKELY£220kmidpoint
HIGH£255koptimistic
Family home value£420,000
Mortgage · Barclays-£190,000
His pension · Aviva£145,000
Her pension · NHS£62,000
His debt · Barclays loan-£8,400
Her debt · HSBC credit card-£4,900
Joint savings & ISAs£15,000
Indicative net estate£355,000
✓ Mediation readiness viewDocument prompts · solicitor questions · next actions
✓ Report + PDFUse for planning, mediation or solicitor meetings
Private inputCourt-aligned assumptionsNo solicitor pressure
💰
From £29
before solicitor costs escalate
⏱
15 minutes
guided financial assessment
⚖️
Court-aligned
Section 25 + CMS methodology
📋
Use anywhere
DIY, mediation or solicitor prep
Clear Comparison

Your Divorce Options Explained

Process, time and cost comparison so you can choose the right path for you.

🛡️
The facts are the same. Your approach makes all the difference.
Get clarity. Make confident decisions.
⭐ Self-guided with DivorceIQ
DivorceIQ (Self-guided)
THE PROCESS
1. Check eligibility
2. Arrange finances & children
3. Apply for divorce online
4. Conditional order (20 wks)
5. Prepare consent order (if needed)
6. Final order (6 wks later)
TYPICAL TIMELINE
26 – 40 weeks
Often faster with good preparation
TYPICAL COST
£672*
£612 divorce application fee + £60 consent order fee (if needed) + DivorceIQ structural tools (Choose our Judge-aligned Forecast Report for £29, our automated Form E Pack for £50, or secure full peace of mind with our complete £69 Bundle).
BEST FOR
Most affordable route, step-by-step guidance, plain-English reports, keeps you confidently in control.
PROS
✓ Lowest cost option
✓ No solicitor dependency
✓ Clear documents for court
✓ Fastest timeline if prepared
CONSIDERATIONS
— You handle paperwork
— Not for complex assets
Mediator (Negotiated settlement)
THE PROCESS
1. MIAM assessment meeting
2. Mediation sessions (3–5)
3. Financial disclosure exchange
4. Draft memorandum of understanding
5. Consent order drafted by solicitor
6. Court approval & final order
TYPICAL TIMELINE
34 – 52 weeks
Depends on availability & cooperation
TYPICAL COST
£1,000 – £3,000+
£672 court fees + hourly mediator fees typically £150–£300/hr. 3–5 sessions plus solicitor-drafted consent order.
BEST FOR
Disagreements that need neutral third-party help to reach a fair settlement.
PROS
✓ Neutral facilitation
✓ Usually faster than court
✓ Lower cost than solicitors
CONSIDERATIONS
— Both must cooperate
— Not legally binding without consent order
Solicitor (Cooperative approach)
THE PROCESS
1. Initial solicitor consultation
2. Financial disclosure & Form E
3. Negotiation between solicitors
4. Draft consent order
5. Court review & approval
6. Final order issued
TYPICAL TIMELINE
40 – 60 weeks
If matters are agreed reasonably quickly
TYPICAL COST
£3,000 – £7,000+
£672 court fees + solicitor hourly rates (£250–£500/hr). Includes financial disclosure management, negotiation correspondence, and consent order drafting.
BEST FOR
Those who want professional legal guidance while keeping costs controlled through cooperation.
PROS
✓ Professional legal advice
✓ Solicitor handles paperwork
✓ Consent order properly drafted
CONSIDERATIONS
— Higher cost
— Slower than self-guided
— Both parties need solicitors
Solicitor (Contested approach)
THE PROCESS
1. Form A application to court
2. First Directions Appointment (FDA)
3. Financial Dispute Resolution (FDR)
4. Further disclosure & expert reports
5. Final hearing preparation
6. Court hearing & judgment
TYPICAL TIMELINE
52 – 104+ weeks
Can be much longer if disputes continue
TYPICAL COST
£10,000 – £30,000+
£672 court fees + aggressive discovery billable hours + multi-hearing trial representation. Expert witness fees, barrister brief fees, and ongoing solicitor costs accumulate rapidly.
BEST FOR
Complex cases where agreement is impossible — high-value assets, business disputes, or non-disclosure.
PROS
✓ Full legal representation
✓ Court-enforced outcome
✓ Best for high-conflict cases
CONSIDERATIONS
— Extremely expensive
— Very slow
— Emotionally draining
— Outcome uncertain
The Divorce Process (Minimum Timeline)
01
Check Eligibility
→
02
Arrangements
→
03
Apply for Divorce
Fee: £612
→
04
Conditional Order
20-week reflection
→
05
Financial Order
Fee: £60
→
06
Final Order
→
07
Changes?
How it works

Three steps to financial clarity

No legal knowledge needed. No jargon. Just clear answers in under 15 minutes.

1

Answer simple questions

Your assets, income, children, pensions — all in plain English. Save and return any time.

2

Build your report

Your answers generate a personalised Divorce Strategy Report. See a premium locked preview.

3

Unlock and use it

View your full report, download, and receive secure delivery for mediation and solicitor meetings.

📋 EXAMPLE REPORT

See exactly what a DivorceIQ
report delivers.

Below is a sample of the same premium report format you'll receive — using the Miller family scenario. Your personalised report will be built from your own data in the calculator.

DivorceIQ
Strategy Report
28 June 2026
30+ pages
Sample Report

Divorce Settlement Strategy Report
for the Miller Family

Case Ref: DIQ-84FK2A · 14-year marriage · 2 dependent children · NHS nurse & warehouse manager

Essential Clarity ReportMoney-back guaranteeEducational information only
Conservative
£195,000
settlement
Most Likely
£220,000
settlement
Optimistic
£255,000
settlement

Executive Summary

The current model indicates a straightforward case with a likely settlement midpoint of £220,000. The main drivers are property equity, pension CETVs, child arrangements, income gap, and housing affordability for the primary caregiver.

CMS Estimate
£460/mo
Spousal Maintenance
£380/mo
Pension Transfer
£60,000
Rehousing
Feasible

Settlement Corridor

The corridor is an indicative planning range reflecting sharing, needs, children, relationship duration and available capital.

Relationship typeMarried
Years together14 years
Dependent children2 (aged 8 & 11)
Primary caregiverApplicant (mother)
Shared-care nights52/year (≈1/wk)
Income gap£12,000/year
Total asset pool£355,000
Court sharing basisStrong sharing principle

Asset Schedule

Family home value£320,000
Outstanding mortgage–£140,000
Housing equity£180,000
NHS pension (CETV)£120,000
Workplace pension (CETV)£45,000
Joint savings & ISAs£15,000
Credit card debt–£5,000
Net Estate£355,000

Property / Housing Waterfall

Housing equity£180,000
Estimated sale costs–£5,900
Net sale proceeds£174,100
Estimated mortgage capacity£88,200
Rehousing affordabilityFeasible

Housing feasibility uses a broad 3.5× income mortgage capacity assumption. Not mortgage advice.

CMS Child Maintenance

Weekly
£106
Monthly
£460
Annual
£5,520

Based on paying parent's gross income of £38,000 and 52 shared-care nights/year. Statutory calculation with shared-care reduction applied.

Spousal Maintenance & Clean Break

Monthly maintenance (est.)£380
Term6 years
NPV lump-sum equivalent£24,800

Courts have a duty to consider a clean break where possible. Where maintenance is needed, step-down terms should be discussed.

Ready to see your own numbers?

This is what every customer receives. Build yours in under 15 minutes.

Start My Settlement Report
From £29 · Money-back guarantee · England & Wales
📋Same format as your personal report
🔒Bank-level encryption & privacy
✓90-day accuracy guarantee
📧Instant email delivery on purchase
Clear Fixed Fee • Save up to £2,500 over traditional solicitor setup fees

Choose the clarity that matches your situation.

Start the assessment, build your report, then unlock the version that fits your needs.

Essential Clarity Report
£29

Understand your likely settlement position. Includes the full settlement range, maintenance estimates, housing analysis and pension overview.

✓Settlement corridor
✓Property position
✓Child & spousal maintenance
✓Pension overview
✓10-year cashflow forecast
Get Essential Clarity →
Best value
Prepared Negotiation Pack
£69

Prepare for mediation, disclosure and solicitor meetings. Includes the full report plus the Financial Disclosure & Next Steps Pack.

✓Everything in Essential
✓Form E-style preparation
✓Evidence checklist
✓Mediator/solicitor questions
✓Post-divorce guidance
Get Prepared Pack →
Most popular choice
Specialist
Complex Asset Strategy Review
£195

For business owners, pensions, trusts or high-value assets. Includes specialist analysis and full disclosure pack.

✓Business & share analysis
✓Trust & overseas asset flags
✓High-value pension guidance
✓Hidden asset concerns
✓Full disclosure pack included
Review Complex Assets →
Accuracy confidence guarantee

If your DivorceIQ report falls outside the settlement range agreed or ordered in your case, you may be eligible for a refund, subject to the guarantee terms. Guarantee terms apply.

Why you can trust our calculations

Built on the same laws, rates, and precedents
that a family solicitor uses.

Your report is not a guess. Every calculation is grounded in current UK family law, 2025/26 tax bands, CMS statutory rates, and Section 25 case precedents.

⚖️

Section 25 MCA 1973

The exact statute that UK judges use to determine fair financial settlements. Your corridor is calculated using the same welfare checklist, sharing principle, and needs-based approach that courts apply.

📊

2025/26 Tax & CMS Rates

Income tax, NI bands, and CMS child maintenance figures are updated to the current tax year. Spousal maintenance NPV uses standard discount rates used by family barristers.

🏛️

Court Precedent Tested

Sharing percentages are calibrated against published Family Division outcomes. Cohabitation vs marriage duration adjustments mirror White v White, Miller v Miller, and McFarlane principles.

🔒

Bank-Grade Security

256-bit SSL encryption. ICO registered (ZB855498). Your data is encrypted in transit and at rest. Auto-deleted 90 days after report generation. Never shared.

✓

Accuracy Confidence Guarantee

If the settlement range in your report falls outside what is ultimately agreed or ordered in your case, you may be eligible for a refund, subject to the guarantee terms.

💷

Saves Up To £2,500

Hand your report straight to a mediator or solicitor. Eliminates 8–10 hours of billable discovery time. Organised Form E data, asset schedules, and evidence checklists ready to go.

⚖️ MCA 1973 s25 Compliant📊 2025/26 Tax Year Rates🏛️ Tested Against Case Law🔒 ICO ZB855498💳 Stripe Payments🇬🇧 England & Wales
Your Financial Reset Checklist

What people often need to update after separation.

Separation touches every part of your financial life. A genuine checklist to help you rebuild.

⌂Mortgage & housing →📄Wills & beneficiaries →♙Pensions & nominations →🛡Insurance policies →💰Savings & ISAs →📊Budget & spending →🏦Debt restructuring →👶Childcare arrangements →⚡Utility & bills →📈Financial rebuilding →

Do not walk into mediation
guessing.

Know where you stand in 10 minutes. Understand your financial position before spending a penny on solicitors.

Start My Settlement Report →
Build your report · From £29 · Money-back guarantee · England & Wales only