Post-Separation Budget Builder
Build a clear post-separation budget that puts essentials first. Use the âWhat Moves the Needleâ controls to test small changes and see the impact on your monthly net, and export a CSV to share with your attorney, mediator, or Certified Divorce Lending Professional (CDLPÂŽ). This is a planning tool to support informed conversations about affordability and next steps.
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Post-Separation Budget Builder
Enter income, then use What Moves the Needle to edit expenses inline or test Âą10% changes by section or item. Watch your Net and DTI update in real time. Export a CSV or save a PDF to share with your CDLPÂŽ, attorney, or financial professional.
Summary
âTotal DTIâ uses housing (P&I, taxes/ins, HOA), car payment, support paid, credit-card minimums, and loans.
Income
What Moves the Needle
Choose Grouped for collapsible sections (Âą10% per section), or List for a single highâlow list. Edit any $ amount directly.
Advanced: Manage Expenses
Notes
Educational planning tool only; not legal, tax, financial, or lending advice. Amounts are user-provided estimates. Verify final terms with your professionals.
Line-Item Detail
Click to expand
Line-Item Detail
| Section | Item | Amount |
|---|
Edit in âWhat Moves the Needle.â Net & DTI update automatically.
Disclaimer: This tool provides educational estimates only and is not legal, tax, financial, investment, real-estate, or lending advice. It is not a loan application, approval, pre-approval, credit decision, or commitment to lend. Results are based on user inputs and simplified assumptions and may exclude or misstate items such as variable utilities, insurance changes, medical costs, taxes, fees, arrears, collection accounts, or other obligations. Actual budgets, eligibility for financing, and loan terms depend on comprehensive review (credit, income, assets, liabilities, property, occupancy, program and investor guidelines) that may change without notice. Child support/spousal support obligations and start/end dates are determined by statute, guidelines, and/or court order; this calculator does not determine or modify legal obligations or property rights. A CDLPÂŽ provides mortgage planning within the divorce process and does not provide legal or tax adviceâconsult a licensed attorney, tax professional, financial planner, real-estate professional, and a licensed mortgage lender to verify final figures and options. Use of this tool is at your own risk; no warranty is made or implied.
