Your details
Just a few basics to personalise the tool
How property settlement works in Australia
Since 10 June 2025 the Family Law Act sets out the framework directly: identify and value everything you own and owe, assess each person's contributions (including the effect of any family violence), consider each person's current and future circumstances, and check the overall outcome is just and equitable. The same framework applies to married and de facto couples. This tool walks you through it.
Since 10 June 2025 the Family Law Act sets out the framework directly: identify and value everything you own and owe, assess each person's contributions (including the effect of any family violence), consider each person's current and future circumstances, and check the overall outcome is just and equitable. The same framework applies to married and de facto couples. This tool walks you through it.
Partner names
Property
Houses, units, land, investment properties
Use domain.com.au or realestate.com.au for estimates. Mortgage balance is in your online banking. Include equity (value minus mortgage) as a net figure, or enter value and mortgage separately.
Superannuation
Super funds, SMSFs
Under Australian family law, super is part of the asset pool. It can be split, flagged, or offset. Enter each partner's super balance separately.
Bank accounts & savings
Transaction, savings, offset, term deposits
Shares & investments
Share portfolios, managed funds, businesses, crypto
Vehicles
Cars, motorbikes, boats, caravans
Check redbook.com.au for current vehicle valuations.
Debts & liabilities
Credit cards, personal loans, BNPL, tax debts, HECS/HELP
Other valuables
Jewellery, art, collectibles, furniture
Pets
Companion animals — dogs, cats, horses kept for companionship
Since June 2025, pets have their own rules: who cared for the animal, each person's ability to care for it, and any child's attachment all matter. Enter a market value only if meaningful (e.g. a pedigree animal) — otherwise leave it at $0 and decide who it lives with on the Allocate page.
Commonly forgotten
People routinely miss these. Tap any that apply to add it to the right category.
Total assets
$0
Before debts
Total debts
$0
Credit cards, loans
Net settlement pool
$0
This is the pool available for division
Non-super pool
$0
Property, cash, investments & debts — divisible now
Superannuation pool
$0
Split by agreement or order — locked until retirement
Currently held: —
Full asset & debt list
| Item | Category | Held by | Value |
|---|---|---|---|
| Net pool | $0 | ||
Agree a percentage
Net pool: $0
Drag the slider
or pick a preset
or pick a preset
50%
Partner 1
$0
vs
50%
Partner 2
$0
Not sure where to set the slider? The optional Guided estimate walks through contributions and future needs the way the Family Law Act frames them, and suggests an indicative range.
What this means in dollars
Based on your agreed percentage and the net pool.
| Partner | Their share | % of pool |
|---|---|---|
| Partner 1 | $0 | 50% |
| Partner 2 | $0 | 50% |
| Total pool | $0 | 100% |
Use the dropdowns to decide what each person keeps, sells, or shares. The totals update in real time.
An educational estimate — not a prediction. This walks through the factors in sections 79(4)–(5) of the Family Law Act and produces an indicative range based on broad patterns in decided cases. Real outcomes depend on details no questionnaire can capture. Nothing here is legal advice.
1
Contributions brought into the relationship
What each of you owned at the start. The longer the relationship, the less weight these usually carry.
From your asset list (items tagged as brought in, or gifts/inheritance)
Tag items on the Assets & debts page using the “Origin” selector under each item.
Anything significant not in your list? (e.g. assets since sold)
2
Contributions during the relationship
Financial and non-financial contributions count equally — earning, parenting, homemaking, supporting a career.
Overall financial contributions (income, paying the mortgage, business)
Homemaking & parenting during the relationship
In most established relationships the law treats the breadwinner and homemaker roles as equal. Only move these sliders for a genuinely one-sided pattern.
Did family violence affect either partner’s ability to contribute?
Since June 2025 courts must consider this when weighing contributions. If it applies to you, legal advice is strongly recommended — and 1800RESPECT (1800 737 732) is available 24/7.
3
Current & future circumstances
Where each of you stands from here. These factors commonly adjust the division by a few percent each.
Who will mainly care for the children?
Who has the stronger earning capacity going forward?
Think salaries, qualifications, health and age — the adjustment goes toward the partner with the weaker position.
Did either partner take significant time out of paid work for the family?
Do age or health issues limit either partner’s ability to work?
Is there an ongoing economic impact of family violence?
Did either partner deliberately or recklessly waste significant assets?
For example large gambling losses or destroying property. Courts now consider this when assessing each person’s circumstances.
Indicative range
Based on your answers and broad patterns in Australian decisions — the true outcome depends on your full circumstances.
50% / 50%
More to Partner 2 ←30% — 70%→ More to Partner 1
Your path from here
You now have a clear picture. This is the usual road to a finished, binding settlement.
1. Gather your documents (disclosure)Both of you must exchange full financial information — it’s a legal duty written into the Family Law Act since June 2025. Collect payslips, 3 years of tax returns, bank and super statements, mortgage balances, and business records.
2. Firm up your valuationsReplace estimates with real numbers: agent appraisals or a licensed valuer for property, Form 6 requests to super funds, RedBook for vehicles, an accountant for any business or trust.
3. Get legal advice earlyEven one fixed-fee conference is worth it — a family lawyer will sanity-check your range and flag anything you’ve missed. If money is tight, Legal Aid and community legal centres can help.
4. Negotiate — mediation if you need itMost couples reach agreement directly, through lawyers, or via family dispute resolution (FDR) with services like Relationships Australia. Court is the last resort, not the default.
5. Make it bindingA handshake isn’t enough. Formalise with consent orders (filed with the court, no hearing, ~$200 filing fee) or a binding financial agreement (both need independent lawyers). This also unlocks the stamp-duty exemption when transferring property between you.
6. Implement itExecute the super split with the fund, refinance or transfer the mortgage, update titles, close joint accounts and cards, update your will and super death-benefit nominations.
Support & services
Federal Circuit & Family CourtOfficial guidance on property & financial matters, forms and consent orders.
amicaGovernment-backed online service for separating couples to agree and document a split.
Legal AidFree legal help — find your state or territory Legal Aid commission.
Relationships Australia — 1300 364 277Family dispute resolution (mediation) and separation counselling.
1800RESPECT — 1800 737 73224/7 support for family violence, including financial abuse. Confidential.
National Debt Helpline — 1800 007 007Free financial counselling if debts are part of the picture.
MoneysmartASIC’s plain-English money guidance for divorce and separation.
Lifeline — 13 11 1424/7 crisis support. Separation is hard; you don’t have to carry it alone.
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