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How this works
- We add up what you own and take away what you owe. Anything in joint names is counted as half each. This is only to give you a starting picture.
- The 50/50 view is an illustration, not what you're entitled to. There's no rule that things must be split equally. If a court decides, it looks at things like how long you've been married, your ages, your ability to earn, your needs, and it makes arrangements for the children first.[1]
- Pensions are shown separately. A CETV isn't the same as the same amount in cash: you might have to wait years to use a pension and pay income tax on what you take, and providers can calculate CETVs differently.[2]
- A CETV can take up to 3 months to arrive, and a court will usually accept one for up to a year.[2]
- You'll both need to be completely open about your debts, savings, property and investments. Any agreement could be challenged later if information was held back.[3]
Thinking about keeping the home? Try the borrowing checker. Want to understand the options for pensions? Read our pensions guide.
Who can actually advise you
Splitt gives general guidance, not advice. For advice on your own situation, these are the people to talk to:
- Family solicitorGives legal advice on your rights and options, and whether you're getting a fair deal. A solicitor can also ask a pension on divorce expert to look at your pensions.[2]
- Family mediatorHelps you both work through the decisions you need to make, without taking sides. A mediator can't give advice, but is usually much cheaper than legal advice.[2]
- Pension on divorce expert (PODE)A specialist who can examine all your pensions, write a detailed report and recommend how to split them.[2]
- Financial adviserGives financial advice, for example on your pensions and how a settlement affects your plans for the future.[2]
Free, impartial help
- MoneyHelper: divorce and separation. Free, impartial money and pensions guidance, backed by government.
- GOV.UK: money and property when you divorce or separate. The official process, forms and fees.
- Citizens Advice: how to separate. Free, confidential advice online, by phone or in person.
- Advicenow: divorce and separation. Plain-English guides, especially if you're handling things without a lawyer.
- Family Mediation Council: what family mediation is. How family mediation works, from the body that sets standards for family mediators.
- Resolution: looking for help. Information from a national body of family justice professionals.
- GOV.UK: legal aid. Check whether you can get help with legal costs, including family mediation.
Find a mediator or family lawyer
- Family Mediation Council: find your local mediator. Search for a family mediator by postcode, including those qualified to sign court forms and those who do legal aid work.
- Resolution: find a law professional. Search Resolution's directory of family law professionals.
Directories run by professional bodies. We don't recommend or receive anything from any listed professional.
Sources
Last checked: 25 October 2026. We read every source below on that date. Rules and fees change, so check the official page before you act.
- Money and property: get the court to decide, GOV.UK. https://www.gov.uk/money-property-when-relationship-ends/get-court-to-decide
- Split pensions in a divorce or dissolution, MoneyHelper. https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-problems/split-pensions-in-a-divorce-or-dissolution
- How to sort out your money on divorce or dissolution, MoneyHelper. https://www.moneyhelper.org.uk/en/family-and-care/divorce-and-separation/how-to-sort-out-your-finances-on-divorce-or-dissolution