{"product_id":"divorce-financial-planner-hub-asset-division-after-tax-value-excel-wor-9106","title":"Divorce Financial Planner Hub, Asset Division, After-Tax Value, Excel Workbook (Instant Download)","description":"\u003cp\u003eDIVORCE FINANCIAL PLANNER HUB — the marital balance sheet, the after-tax value of every asset, a two-column division worksheet, the house, and your budget for one. A browser app plus a 38-tab Excel workbook. Nothing you type ever leaves your device.\u003c\/p\u003e\n\u003cp\u003eA certified divorce financial analyst charges $250 to $400 an hour to do exactly that work. This is that work, in a file you open by double-clicking it.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eWHAT YOU GET — INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003e• Divorce Financial Planner Hub (Web) — 57 screens, 200 features, three settlement scenarios. Opens in any browser. No install, no account, no internet needed.\u003cbr\u003e• Divorce Financial Planner Hub (Excel) — 38 tabs, 1,895 live formulas, no macros. Excel, Google Sheets, LibreOffice, Numbers.\u003cbr\u003e• Quick Start Guide (PDF) — 10 pages, including a glossary of the thirty terms you are about to hear a great deal of.\u003cbr\u003e• All 200 Features (PDF) — the complete list, grouped.\u003cbr\u003e• A complete worked example — a $1.2M marital estate, 22 assets, 10 debts, three scenarios and eight months of legal bills. Nothing is ever a blank page. One click wipes it and starts you fresh.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eTHE FIVE ENGINES\u003c\/p\u003e\n\u003cp\u003eTHE DIVISION WORKSHEET\u003cbr\u003eClick a letter beside every asset and every debt — yours, theirs, or a percentage of each. The two columns total as you type, and the equalisation payment recalculates: who pays whom, how much, to land on whatever target split you are working toward. Then four ways to fund that payment without cash, priced on your own numbers.\u003c\/p\u003e\n\u003cp\u003eAFTER-TAX VALUE\u003cbr\u003e$100,000 in a 401(k), $100,000 in a Roth and $100,000 of house equity are three different amounts of money. Pre-tax money carries income tax at the owner's marginal rate. Taxable accounts carry the gain above basis. Property carries the cost of selling it, and a home carries the gain above the §121 exclusion. Second-hand furniture is worth resale, not replacement. Every line is priced the way it would actually come out — and then the face-value split is shown beside the after-tax one.\u003c\/p\u003e\n\u003cp\u003eCOVERTURE AND THE TIME RULE\u003cbr\u003eA plan someone joined before the marriage is not all marital. Both accepted methods are run side by side — the coverture fraction and subtracting the premarital balance with its growth — with the dollar gap between them shown, because they rarely agree. Pensions get frozen coverture against the time rule, plus a survivor-benefit warning. Unvested RSUs and options get the time rule per grant, calculated to the day.\u003c\/p\u003e\n\u003cp\u003eTHE HOUSE\u003cbr\u003eCost of sale, net proceeds, buyout at any equity split. Keep against sell-and-invest over five years — what you are actually worth at the end of each path. The §121 exclusion at single against joint. And the refinance affordability test: front-end and back-end ratios on one income, with a switch for whether support counts as qualifying income, and the same loan priced at seven rates. Every keep-the-house plan lives or dies on that screen.\u003c\/p\u003e\n\u003cp\u003eTHE BUDGET FOR ONE\u003cbr\u003eSixty-plus lines across twelve categories, in two columns: what the household spends now, and what you will spend alone. The delta column is where the real conversation is. Then the surplus or shortfall with support and without it — because the second number is what happens on the day support ends, and that date is already in the agreement.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eAND THE REST OF IT\u003c\/p\u003e\n\u003cp\u003e• Asset and debt registers with marital \/ separate \/ mixed on every line, and a tracing worksheet for the money you brought in\u003cbr\u003e• Up to six settlement scenarios compared on eleven measures, plus an offer-and-counter log\u003cbr\u003e• Support: post-2018 and pre-2019 alimony tax treatment both modelled, a step-down calendar, a payment ledger with running arrears, and shared children's expenses\u003cbr\u003e• Legal cost: retainer trust ledger, burn rate, the date it runs out, cost by issue — and the legal spend on each disputed item beside what that item is actually worth\u003cbr\u003e• A 96-item document checklist weighted by priority, a statement inventory with a month grid and a gap detector, a discovery register, and a financial-affidavit builder\u003cbr\u003e• The day after: a live COBRA countdown, beneficiary and estate updates, credit protection, the ten-year Social Security and military 10\/10 checks, name change, and a post-decree obligation register\u003cbr\u003e• Five printable reports — balance sheet, division proposal, budget, attorney packet, document checklist\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003ePRIVACY, AND BACKUP\u003c\/p\u003e\n\u003cp\u003eA financial affidavit is the most sensitive thing most people ever write down about themselves, and they write it precisely when someone they live with has become adverse to them.\u003c\/p\u003e\n\u003cp\u003eSo there is no account, no server and no upload. The app makes no network calls at all — turn off your wifi and every screen still works. There is a four-digit PIN lock, and an instant screen blur on one key.\u003c\/p\u003e\n\u003cp\u003eFor backup, the app hands you a single dated file and shows you step by step where to put it: Google Drive, Dropbox, OneDrive, iCloud Drive or a plain USB stick, including how to sync the app itself between two computers. It never touches those services itself — your own sync client does, the way it already does for everything else. There is a reminder with an overdue badge, a restore, and a toggle for whether your private journal travels with the backup. The journal is left out by default, and it is excluded from every export and every printout.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003ePLEASE READ\u003c\/p\u003e\n\u003cp\u003eThis is an organising and arithmetic tool. It is NOT legal, tax or financial advice, and it is not a substitute for an attorney, an accountant or a certified divorce financial analyst.\u003c\/p\u003e\n\u003cp\u003eIt is state-neutral by design: it does not know your state's rules on property division, it does not calculate guideline child or spousal support, and it never tells you what a fair split is. Every derived number is arithmetic on entries you make yourself. The two sides are \"Column A\" and \"Column B\" — rename them to anything you like.\u003c\/p\u003e\n\u003cp\u003eTake the printouts to your professionals. You will get better advice, in less billable time. That is the point.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eHOW TO OPEN IT\u003c\/p\u003e\n\u003cp\u003eDownload, unzip, double-click the HTML file. It opens in your browser like a web page, except there is no web. Works on Windows, Mac, Linux and Chromebook; readable on a tablet. The Excel file opens wherever you normally open spreadsheets.\u003c\/p\u003e\n\u003cp\u003eBecause this is a digital download, all sales are final — but if anything does not work, message me and I will fix it.\u003c\/p\u003e\n\u003cp\u003eInstant download. Yours forever. No subscription, ever.\u003c\/p\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942528778544,"sku":"DD-4554899106","price":6.22,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8423015525_1j2m.jpg?v=1791205442","url":"https:\/\/brightdayplanners.com\/products\/divorce-financial-planner-hub-asset-division-after-tax-value-excel-wor-9106","provider":"Brightday Planners","version":"1.0","type":"link"}