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Balance Sheet Free to start
Divide assets and debts in a divorce, item by item. One list of everything. One agreed split.
Balance Sheet is a shared balance sheet for dividing property in a divorce. List what you own and owe, propose who gets what, and agree one item at a time, together or alongside your lawyers or mediator. The equalization payment is worked out as you go.
Free for up to 10 items, no sign-up. Just want the numbers? Try the calculator. Already have an account? Sign in
| Item | Alex | Sam | Status | |
|---|---|---|---|---|
| Real estate | ||||
| House, 123 Elm St | $753,300 | Agreed | ||
| ↳ House mortgage | ($402,000) | Agreed | ||
| Lake house | $640,000 | Your turn → | ||
| Bank accounts | ||||
| Joint checking | $20,650 | $20,650 | Agreed | |
| Savings | $12,000 | $50,000 | Agreed | |
| Retirement | ||||
| 401(k), Alex | $348,000 | Agreed | ||
| Fidelity IRA | $106,000 | $106,000 | Waiting on Sam | |
How it works
From a list of everything to an agreed split.
Balance Sheet works in four steps: list every asset and debt, propose who gets each, agree item by item, and see the equalization payment as you go. You can start alone, and invite your spouse, mediator or attorney once you have full access (free, on request, while Balance Sheet is new).
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List everything
Add each asset and debt with its value, or import the free Just Divvy spreadsheet. Tie a debt to the asset it goes with, like a mortgage to the house.
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Propose who gets what
All of it to one of you, a split by percentage or amount, separate property that's one person's, or "decide later".
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Agree item by item
The other side accepts or makes a counter-proposal. A mediator can suggest terms for both of you to accept. Either side can reopen an item.
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See where you stand
The current split and the equalization payment update as you go. Download a summary as a PDF or Excel file at any time.
Who it's for
Spouses, and the professionals helping them.
Balance Sheet is built for both spouses and for the mediators, attorneys and financial advisors working with them. Each person sees the same sheet, with what's theirs to do marked.
Spouses
Start on your own, with no sign-up. When you're ready, ask for full access (free while Balance Sheet is new) and invite your spouse. Each of you sees what's agreed, what's waiting on whom and what's your turn.
Mediators
With full access, start a case and invite both spouses; once both accept you, you see the whole sheet. Suggest terms for an item, which both sides must accept, and keep the whole sheet moving between sessions. More for professionals
Lawyers and advisors
Join a case for one side and work alongside your client: see every proposal, the history of changes, and the numbers behind the equalization payment.
Marital value, worked out
Record sale costs, a separate portion that belongs to one spouse, or another adjustment, and the sheet shows the value that's being divided.
Every change kept
Proposals, counters and acceptances are kept in a history everyone in the case can read. Notes and comments sit with each item.
A summary to take with you
A clean PDF or Excel summary of every item, who gets it and the totals, marked "Draft, not finalized" until both spouses finalize.
Start your balance sheet.
Free for up to 10 items, with no sign-up. Or read the short walkthrough first.
Questions
Common questions about dividing assets and debts
What is a marital balance sheet?
A marital balance sheet is a list of everything a couple owns and owes, with a value for each item and who will keep it. It shows what each spouse would walk away with, and the payment that would even things out. Mediators and lawyers use one to organize the property side of a divorce. Balance Sheet is a shared, online version both spouses can work on.
What is an equalization payment?
It's the payment from one spouse to the other that makes the division come out even. Add up what each spouse receives, minus the debts they take on. If one ends up with more, half the difference is paid to the other. For example, if one spouse's share is worth $950,000 and the other's $850,000, a payment of $50,000 leaves each with $900,000. Try it with the free equalization calculator.
Does it account for taxes?
Not automatically. Balance Sheet uses the values you enter: a retirement account and a bank account with the same balance count the same. You can record sale costs or a portion that's one person's on any item, as the house and the 401(k) in the example at the top show. If you want to account for differences like that, ask your attorney, mediator or tax advisor, then agree on adjusted values or record sale costs and other adjustments on the item.
Is an agreed balance sheet legally binding?
No. Balance Sheet records and calculates what the two of you agree. It isn't a contract, a court document or legal advice. Take the summary to your lawyer or mediator when your agreement is written up, and check your state's rules.
Can I use it with my mediator or lawyer?
Yes, with full access. A mediator can start a case and invite both spouses, or you can invite your mediator, lawyer or financial advisor into yours. Lawyers and advisors act for one side; a mediator acts for neither. See Balance Sheet for mediators and attorneys.
What does the free plan include?
You can start a case without signing up, and it holds up to 10 items. You can also open a demo case to see how it works. To go beyond 10 items, or to invite anyone, ask for full access from inside the sheet.
Can I import my spreadsheet?
Yes. If you've started with the Just Divvy asset and debt spreadsheet, import the file (.xlsx) and your items come in, ready to review. The free plan holds 10 items; ask for full access for more.
Who can see my information?
The people in your case: your spouse once they join, and any mediator, lawyer or advisor in it. A small number of our staff can also access it, only for support, security, account management and legal reasons. We never sell your information, use it for advertising or use it to train AI models. The Privacy Policy has the details.
Free resources
Getting ready to divide things?
General information, not legal advice. Just Divvy provides general information for educational purposes only. It is not legal, tax or financial advice, and using it does not create an attorney-client relationship. Divorce and property laws vary by state. Check your state's laws and talk to a licensed attorney in your state before making decisions.