Often-missed assets and debts in a divorce

Often-missed assets and debts: a divorce checklist

37 items in 6 groups · By Just Divvy · Updated October 17, 2026 · How we write our guides

The house and the bank accounts are easy to remember. These are the things people tend to find later, sometimes after an agreement is signed. Tick each one off once you've either listed it or confirmed it doesn't apply. Whether each item is shared, and how it's divided, is a question for your attorney or mediator: this list is only about not missing anything.

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Money and accounts

Accounts in only one spouse's nameIncluding old accounts that are rarely used.
Children's savings and 529 college plans
HSA and FSA balances
PayPal, Venmo, Cash App and similar balances
Cryptocurrency and the wallets or exchanges holding it
Cash kept at home or in a safe deposit box
Gift cards and prepaid balances

Work and retirement

401(k)s left at previous employers
Pensions, even small ones from earlier jobs
Stock options, RSUs and employee stock purchase plansNote vesting dates, vested or not.
Bonuses and commissions earned but not yet paid
Deferred compensation plans
Accrued vacation that pays out on leaving

Home and belongings

Furniture and household contentsUse what it would sell for used, not what it cost new.
Jewelry, art, antiques and collectibles
Tools, sports gear and hobby equipment
Boats, RVs, trailers, motorcycles
Timeshares
Items in storage units or at relatives' homes
Rental and utility security deposits

Rewards, refunds and credits

Frequent-flyer miles and hotel points
Credit card cash-back and rewards balances
Expected tax refunds
Tax loss carryforwards
Prepaid insurance, tuition or memberships that can be refunded

Business and income

A business or side business, including its equipment and inventory
Royalties, patents and other intellectual property
Money lent to family or friends
Domain names, online stores and other digital assets
Life insurance policies with a cash value

Debts people overlook

Taxes owed, including estimated tax for self-employment
Medical and dental bills
Buy-now-pay-later plans
Loans from family members
Loans either spouse co-signed for someone else
401(k) loans
HOA dues and special assessments

Ask your attorney or mediator

Which of the items we've found count as shared, and which might be just one person's?
How should things like unvested stock, bonuses not yet paid and expected tax refunds be handled?
Is there anything on this list that needs special paperwork to divide?

How do I find what's missing?

Pull your free credit report, and read through the last 12 months of bank and card statements.

Each spouse can pull their own free credit report at annualcreditreport.com. Regular payments on a statement usually point to an account, a loan or a policy. List each one you find in the asset and debt spreadsheet, then see the preparation guide for how to value it.

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.