Know the money side of divorce.
Estimate divorce cost, housing choices,and the budget for your next chapter.
Settings
App info and controls
Manage this browser's saved entries, review how the divorce calculators work, and find the main policy pages.
Privacy
DivorceFinancialCompass.com does not require an account, login, name, email address, or saved personal profile. Calculator entries and display preferences can be stored in this browser so the site feels easier to use on this device.
Clearing saved data affects only this browser. It does not delete anything from a server and it does not affect any other device.
Complete Printable Report
Calculator results are built to be printable and easy to review. A report can include the plain-English verdict, scores, risk flags, assumptions, scenario comparisons, and questions to ask professionals.
Reports are free and do not include ads. They are for personal planning conversations, not legal filings, court submissions, or professional advice.
Disclaimer
This site does not provide legal, financial, tax, mediation, court, custody, child support, spousal support, property-division, mortgage, settlement, or professional advice. Results are estimates based on the numbers and assumptions entered.
Court orders, legal rights, support amounts, property division, tax treatment, and mortgage qualification may differ from any planning scenario shown here.
Read full disclaimerCommon Questions
Is this legal advice?
No. DivorceFinancialCompass.com is an educational planning tool. It does not provide legal, financial, tax, mediation, court, custody, support, property-division, or professional advice.
Do I need an account?
No. The site does not require an account, username, password, email address, or profile. Calculator entries are saved only in this browser on this device.
Where do support numbers come from?
Support numbers can come from an official state calculator, attorney estimate, mediator estimate, court document, or personal planning assumption. This site treats support amounts as numbers you enter; it does not calculate official support.
Why do results show assumptions?
Divorce financial planning depends heavily on estimates: home value, support assumptions, legal costs, interest rates, expenses, buyout percentages, and timing. Showing assumptions makes the result easier to question and update.
DivorceFinancialCompass.com
Life Insurance After Divorce Calculator
Estimate divorce-related life insurance coverage from visible inputs, compare simple-total and present-value math, view state-law status, and see a published-average premium range.
Court-ordered coverage
If a decree or agreement names a coverage amount, that amount appears first in the result.
Support and debt obligations
Support amounts are user-entered assumptions. This tool does not calculate official support, legal entitlement, or court orders.
Offsets and present-value assumptions
Existing coverage and liquid assets reduce the displayed estimate. Present value uses the return and inflation assumptions entered here.
Policy and premium estimate inputs
Premium ranges use published averages, not underwriting or a quote.
Visible calculation trail
Child support total entered
$0
Spousal support total entered
$0
Gross simple obligation
$0
Premium coverage basis
$0
This tool displays facts and figures from entered amounts, cited legal-status sources, and published-average premium data. It does not determine legal rights, court orders, beneficiary rights, settlement fairness, tax treatment, or insurance eligibility.
Review and assumptions
How This Calculator Is Framed
Page status
Updated July 7, 2026. Reviewed July 8, 2026.
Freshness context
State statutes, federal preemption cases, insurer rate tables, underwriting rules, and premium averages can change after the review date.
Coverage math uses the entered decree amount, support assumptions, debt assumptions, existing coverage, liquid assets, and present-value assumptions.
Premium output uses published-average rate tables and modeled multipliers. It is not an insurance quote and does not determine eligibility.
Educational use only. This page does not provide legal, financial, tax, insurance, court, support, beneficiary, settlement, or professional advice.
Calculator FAQ
About This Calculator
What does this calculator show?
It estimates coverage math from entered obligations, displays state-law beneficiary-revocation status, flags ERISA or FEGLI status for group policies, and shows a published-average premium range.
What assumptions does it use?
It uses entered decree coverage, support obligations, debts, existing coverage, liquid assets, state, policy type, age, gender table, health class, tobacco use, and term length.
What does it not decide?
It does not determine beneficiary rights, court orders, legal duties, insurance eligibility, underwriting outcomes, or personalized quotes.
Why does the premium range show source dates?
Life insurance rate tables change over time, so the premium output names the source timing used in the estimate.