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Analyze My Divorce Settlement shows how each spouse will fare under any proposed settlement. Specifically, it compares what each spouse will be able to spend on an ongoing basis. Our primary focus here is on each spouse's discretionary spending -- what each spouse will get to spend after meeting off-the-top expenses, such as child support and alimony payments. By adjusting the division of assets, alimony and child support, you can achieve whatever difference in discretionary spending levels you feel is fair.

Fairness may not entail the same levels of discretionary spending. If you are working harder, living in worse housing, or getting less time with the kids, you may feel a higher level of discretionary spending is justified. The length of your marriage may also influence what spending differences you view as fair.

To be clear, Analyze My Divorce Settlement can't say what's fair. What it can provide is a clear comparison of both spouse's post-divorce living standards for any proposed settlement. The tool can also help you develop alternative proposals to those you've received. Finally, it can help you find win-win settlements -- settlements that lower your combined taxes and generate the highest lifetime Social Security benefits and, thereby, enable both you and your spouse to enjoy higher sustainable living standards.

Now for a disclaimer. Neither I nor anyone in our company is a divorce attorney, a divorce mediator, an accountant, a financial planner, or any other type of legal, accounting, or financial professional. Analyze My Divorce Settlement is strictly an educational tool to help you understand where you and your spouse will each stand financially after you are divorced based on the settlement you enter into the program. And since our tool can consider any divorce settlement (in the form of the division of regular and retirement account assets, alimony, child support, child outlays that you'll each make, and other financial elements), you are free to consider settlements that are more or less generous to one party than may be suggested by guidelines that some states have regarding alimony and child support. Our understanding is that, where they exist, such guidelines are not mandatory, although they may be indicative of how a settlement dispute might be resolved by a judge. Finally, once you reach a settlement agreement, each spouse should have a lawyer or professional divorce mediator review the settlement to ensure nothing has been overlooked and to assist with the legal steps needed to legally file for a divorce and obtain a formal divorce decree.