Pension Splitting Estimator

PSO, PAO & CETV Calculator for Divorce

Pension Details

Your Pension

Pension Type

Defined Contribution (Money Purchase)

CETV (Cash Equivalent Transfer Value)

Spouse's Pension

Pension Type

Defined Contribution (Money Purchase)

CETV

Sharing Options

Years Married / Together

years

Target Split

0%25%50/5075%100%

Preferred Order Type

Pension Sharing Order (PSO)Pension Attachment Order (PAO)Offsetting

Current Pension Position

Your Pension

£150,00075.0%

Spouse's Pension

£50,00025.0%

Total Pension Value£200,000

Estimated Transfer Required

You → Spouse

Transfer Amount£50,000To achieve 50% equalization

After Split

Your Pension£100,000

Spouse's Pension£100,000

Pension Sharing Order (PSO)

Immediate transfer of percentage to recipient's own pension

Advantages

Clean break
Recipient controls own pension
Not affected by ex's death

Disadvantages

Implementation fees (£1,000-5,000+)
Cannot reverse

Estimated Implementation Costs

£1,000to£5,000

Charged by pension provider(s). Larger/complex pensions typically cost more.

Need Help with Pension Sharing?

Splitifi's AI Legal Coach can guide you through Form E disclosure, pension sharing orders, and consent order drafting.

Key Facts About Pension Sharing in UK Divorce

CETV Required

Pension providers must provide a CETV within 3 months of request. One free per year during divorce proceedings.

Implementation Time

PSO takes effect 28 days after Final Order. Implementation typically 4-8 weeks after court order sealed.

State Pension

Cannot be shared by court order. But can be considered when dividing other assets (offsetting).

Important Disclaimer

This is an estimate only based on simplified assumptions. Pension sharing calculations are complex and depend on many factors including pension type, ages, scheme rules, and individual circumstances. Always seek advice from a Pension on Divorce Expert (PDE) or solicitor for accurate calculations. CETV may not reflect the true value of defined benefit pensions.

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