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wha happens to your pension in divorce

Pension Divorce Calculator

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If you are going through a divorce or have recently split then you might be wondering how much of your partner’s pension you are eligible for. Our handy pension and divorce calculator will give you an idea of what you could expect.

Divorce pension split calculator

Even if you are just curious and wanting a very rough idea on what a divorce and pension split might mean, you can use the calculator to give you a reasonable idea on the possibilities.

This pension divorce calculator offers you a simple step by step approach to working out the value of any marital assets to be split.  It should not be considered a final or legally binding calculation.

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Pensions & Divorce

Discover what happens to your pensions when you divorce and what are your options.

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Tips on using the calculator

If you’re getting divorced you’ll need to start working out the value of any joint assets so that they can be split fairly.


Working out the Value of Pensions for Divorce

Pensions are often one of the most valuable marital assets you will have. In the wealthiest 10% of society, it eclipses the amount of money held in the marital home and even in the least wealthy 50% it still makes up almost a third of the household wealth.

How to work out how much you have in pensions

If you know what pensions you and your spouse have then you can either use the Cash Equivalent Value, which should be on your latest annual statement, or you can write to your pension trustees and ask them for an up to date estimate of your pension value.

If you don’t know what pensions you have or know you have old pensions but don’t have the details:

  • List all of the jobs you and your spouse have ever held – if your spouse is not forthcoming with information then you check to see if they have a LinkedIn profile
  • Use the free government pension tracing tool to locate the pension trustees details for each employer
  • Write to the pension trustees requesting details of any pensions you might hold with them. Provide them with as much detail about your employment as possible.

N.B. The pension trustees will only release information to the pension holder or somebody acting with proof of their authorisation.

Estimated value of property for divorce

It’s important to look at sold figures rather than property listings as the amount a house sells for is often not the same as its advertised price. Remember, if you need to sell quickly it is likely you’ll need to accept a lower offer for a quick sale.

To get a realistic property value estimate, it’s best practice to get valuations from 3 local estate agents. Alternatively, a property surveyor’s valuation will also give you an accurate indication of what your house is worth.

But if you’re looking for a starting point and aren’t ready to invite estate agents or surveyors around, there are a few ways to get a quick estimate for the value of your property:

  1. Use Zoopla property market figures for your area:
  2. You can also use an online property valuation tool like this one from
  3. Request a property comparison report from

What happens to a pension during divorce?

Under UK law, Pensions form part of the marital assets which should be split evenly during a divorce. But, you won’t automatically get half of your spouse’s pension if you split, it’s a complex area and it’s important that you are aware of your rights.

Pensions can be split in one of three ways during a divorce; either a pension sharing order, by offsetting the value of the pension against other assets or using a Pension Attachment order. To find out more, read this guide to what happens to a pension during divorce written by our specialist advisers.

Download our free expert guide to

Pensions & Divorce

Discover what happens to your pensions when you divorce and what are your options.

Please enter your name.
Please enter a valid email address.
Something went wrong. Please check your entries and try again.

How much of my husband’s pension am I entitled to when we divorce?

Is your pension value lower compared to your partner? If you are married and worried that you might not get what you are entitled to, read our article on how much of your partner’s pension you are eligible for after a divorce.


This pension divorce calculator is provided for general information purposes only. It is a guide and does not reflect the actual pension split you might receive after a divorce.

Any information contained within this website should not be deemed to constitute financial advice, and should not be relied upon as the basis for a decision to enter into a transaction, or as the basis for any financial or investment decision. It is provided for general information and it is vital (and in most cases a regulatory requirement) that you contact a Qualified Pension Transfer Specialist for tailored professional advice in regard to the suitability of any transfer.

  • No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles.
  • If you are a member of a pension scheme with safeguarded benefits, it is likely it would be in your best interests to retain the safeguarded benefits.
  • Make sure you understand all the risks before investing.
  • The value of investments and the income they produce can fall as well as rise and you may not get back your original investment. Past performance is not a reliable indicator of future results.
  • Once you transfer, you will become responsible for the management of your investments.

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