Wealth & retirement · super (composes 4 primitives)

Divorce financial impact

Type incomes, marital length, kid count, and asset positions. We chain the alimony rule-of-thumb (state-aware), child support per AAML guidelines, the marital-asset 50/50 split, the QDRO impact on retirement balance, and the federal-tax delta from filing-status change.

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Inputs

Your annual gross incomeSpouse's annual gross incomeYears marriedChildren under 18Marital assets (everything to be split)Home equity + retirement + brokerage + savings + vehicles, less marital debt.Of which retirement (QDRO eligible)State (alimony formula varies)

Result

Year-1 cost: $61,550 cash out (alimony + child support + tax bump). Asset split: $190,000 to each side.

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Action: Stress-test cash flow: $61,550 of year-1 reduction needs to come from somewhere — debt? lifestyle? Modeling this BEFORE filing protects against post-decree bankruptcy.

1
Alimony estimate (OTHER)
$28,000/yr · 7.0 yrs · $196,000 total
Income gap $80,000 drives the formula
Stand-alone calc
2
Child support (2 kids)
$26,100/yr · $234,900 total to age 18
Income-shares model — 25% of combined net, share-weighted by income.
3
Marital asset split (50/50)
$190,000
$380,000 marital pot ÷ 2
4
QDRO retirement split
$90,000
Half of $180,000 retirement transferred via QDRO — no early-withdrawal penalty if rolled to IRA
5
Filing-status tax delta
+$7,450/yr
Std deduction drops $7,500 + ~4% bracket compression on full income
6
Net cash impact year 1
-$61,550
All outflows. Includes alimony + child support + tax increase.

Assumptions & notes

These are rule-of-thumb formulas — actual outcomes are judge-driven and state-specific. Use this to frame the conversation, not as legal advice.
QDRO assumes the receiving spouse rolls to an IRA. Direct cash distributions trigger ordinary income tax and the 10% early penalty before 59½.
Asset split defaults to 50/50 (equitable distribution states). Community-property states (CA, TX, AZ, ID, LA, NV, NM, WA, WI) are statutory 50/50 of community assets only.

Multi-scenario comparison

What if — ±20% on one input

Vary

Scenario	Your annual gross income	Headline	Δ vs baseline
−20% (cautious)	$116,000	Year-1 cost: $45,020 cash out (alimony + child support + tax bump). Asset split: $190,000 to each side.	$-10,150
Baseline	$145,000	Year-1 cost: $61,550 cash out (alimony + child support + tax bump). Asset split: $190,000 to each side.	0
+20% (aggressive)	$174,000	Year-1 cost: $78,080 cash out (alimony + child support + tax bump). Asset split: $190,000 to each side.	+$10,150

Try the input with the highest sensitivity (above). The Δ column shows the dollar swing from a 20% move — that's how much room you have for a counter, raise, or hedge.

Goal seek

Solve for an input value

Pick the input you want to vary and the output you care about. We'll find the input value that gets you to the target. Bisection-based; converges in < 50 iterations.

Vary inputTarget outputTarget value

Monte Carlo simulation

Distribution under input uncertainty (500 trials)

We perturb every numeric input with normal-distributed noise (10–25% sigma depending on input type) and run 500 compute trials. The output is a probability distribution, not a single number — closer to how finance actually works.

Most-leveraged inputs (sensitivity analysis)

Where to focus — what moves the answer most

Each input perturbed ±10%; measured impact on Alimony estimate (OTHER). Higher elasticity = bigger lever.

1
Your annual gross income
Elasticity ↑ 1.81× — 10% change in this input increases Alimony estimate (OTHER) by 18.1%.
2
Spouse's annual gross income
Elasticity ↓ 0.81× — 10% change in this input decreases Alimony estimate (OTHER) by 8.1%.
3
Years married
Elasticity ↕ 0.00× — 10% change in this input affects Alimony estimate (OTHER) by 0.0%.
4
Children under 18
Elasticity ↕ 0.00× — 10% change in this input affects Alimony estimate (OTHER) by 0.0%.

ShowMath is the only calc site that surfaces this. Adjust the highest-leverage input first — that's where small moves create big results.

Chain payload (for the 3D constellation)

{
  "slug": "divorce-financial-impact",
  "depth": 1,
  "primitives": [
    "alimony-calculator",
    "child-support-calculator",
    "qdro-calculator",
    "asset-division-calculator"
  ],
  "composes": [],
  "chain": [
    {
      "key": "alimony",
      "label": "Alimony estimate (OTHER)",
      "primitive": "alimony-calculator",
      "numeric": 28000
    },
    {
      "key": "child_support",
      "label": "Child support (2 kids)",
      "primitive": "child-support-calculator",
      "numeric": 26100
    },
    {
      "key": "asset_split",
      "label": "Marital asset split (50/50)",
      "primitive": "asset-division-calculator",
      "numeric": 190000
    },
    {
      "key": "qdro",
      "label": "QDRO retirement split",
      "primitive": "qdro-calculator",
      "numeric": 90000
    },
    {
      "key": "filing_status_tax",
      "label": "Filing-status tax delta",
      "numeric": 7450
    },
    {
      "key": "net_year_1",
      "label": "Net cash impact year 1",
      "numeric": -61550
    }
  ]
}

The chain explained

Each step above corresponds to a primitive calculator. Click any to see the stand-alone version with its own explainer + sources.

alimony calculator
child support calculatorshipping soon
qdro calculatorshipping soon
asset division calculatorshipping soon

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