Skip to the content

Family law

Know your share of the property before anybody signs

In a separation, everybody is negotiating against a number they have not seen. This calculator runs the four steps in section 79 of the Family Law Act on your own figures and shows your likely range, as a percentage and in dollars, free. The full report shows what is moving it and what each way of settling actually leaves you.

Free to run, no sign up Full report from $19 23 free guides 10 June 2025

Splitting property after a separation? Know your range before you agree.

Australian property settlement is not a formula, and it is not 50/50. Since 10 June 2025, section 79 of the Family Law Act spells out four steps: value the pool, assess what each of you contributed, look at where each of you stands now and in the future, and then ask whether the result is fair overall ("just and equitable"). Every step is a judgement. That is why so many people negotiate blind, and why finding out your range from a family lawyer costs $440 to $660 an hour.

Ranges can still be worked out. In the largest Australian study of separated parents, mothers received 57% of the property on average. Across 200 court decisions, the average was 54%. Adjustments for future circumstances of 10% to 15% are described in the research as not unusual. None of that is your case. It is the picture your case sits inside, and knowing where you sit is worth a great deal the moment somebody puts an offer on the table.

Only 7.2% of separated parents said a court was how their property was sorted out. Almost every settlement is agreed between two people, and consent orders are final.

What the free property settlement calculator works out

  • All four steps, in order. The pool, contributions, current and future circumstances (the old section 75(2) factors), and the fairness check, applied to your own figures rather than to an average. That includes the 2024 changes: family violence (including financial abuse), the need to house the children, and property lost on purpose or recklessly.
  • Your share as a percentage range. Both ends of it, because the law produces a range, not a single number.
  • What that range is worth in dollars. On your own pool, after the cost of selling the home if it is being sold.
  • Every part of the law that applies to you, by name. Including superannuation, which counts as property and is the item most often missed.
  • Every way of settling, with what it costs. Consent orders at a $215 court fee, mediation, arbitration, the simplified pathway for pools under $550,000, and a defended hearing.
average share to mothers across court decisions 54%
future needs adjustments described as not unusual 10% to 15%
median time from filing to finalisation in court 9.2 months
court fee to file consent orders $215

What the full report adds

  1. Every factor sized in percentage points. Not "this will help you", but how far each one moves your range and in which direction, so you can see which facts are doing the work.
  2. What your range becomes if one factor is wrong. Each factor taken out in turn, so you know what an argument about any one of them is worth before you pay to have it.
  3. Every way of settling, ranked by what you keep. A better percentage won at a defended hearing can leave you with less money than an earlier agreement. The report prices each route, shows roughly how long it takes, and shows the offer at which each one stops being worth what it costs.
  4. A document to take to a lawyer or a mediator. Fixed fees just to draw up consent orders run $2,000 to $4,400. Arriving with the pool itemised and the range worked out changes what that money buys.

What it will not do

It is not legal advice and it cannot be. It does not tell you what to do, and it does not predict what a court would order. Only a court, or an agreement you both sign, decides the actual division. A range worked out from figures typed into a form is a starting point for a conversation with a family lawyer, not a substitute for one. Parenting arrangements, child support and spousal maintenance are separate questions it does not cover.

If you are not safe, contact 1800RESPECT on 1800 737 732. Everything here runs on the Family Law Act as at 10 June 2025 and the court fees in force from 1 July 2026.

What people ask before they run it

Is a property settlement always 50/50 in Australia?

No. There is no legislated starting point of half, and the published research does not show one either. In the largest Australian study of separated parents, mothers received 57% of the property on average. In an analysis of 200 court decisions, the average was 54% to mothers. Both are averages across very different households, which is why a range worked out on your own figures tells you more than either.

How is property settlement calculated in Australia?

It is worked out in four steps, set out in section 79 of the Family Law Act 1975 and restructured by the Family Law Amendment Act 2024 from 10 June 2025. First, value everything you both own and owe. Second, assess what each of you contributed. Third, look at where each of you stands now and in the future. Fourth, check the result is just and equitable. There is no formula, so the answer is a range, not one number.

Is super included in a property settlement?

Yes. Superannuation goes into the pool as property, and it has since 2002. A court order or a binding financial agreement can require a fund to move part of one balance into the other person's fund. It does not become cash. It stays super and stays locked up under the usual rules. A couple who split the house evenly and each keep their own super have divided only part of the pool.

Does family violence change a property settlement?

It can. Since 10 June 2025 the Act says so expressly. Section 79(4)(ca) requires the effect of family violence on a party's ability to contribute to be taken into account, and section 79(5)(a) requires its effect on that party's current and future circumstances to be taken into account as well. Section 4AB now lists economic and financial abuse, such as controlling money or superannuation, sabotaging employment or building debt in somebody else's name, as examples of family violence.

How long do you have to do a property settlement after separating?

Two years from the day you separated if you were in a de facto relationship, under section 44(5). If you were married, there is no deadline until a divorce order takes effect, and then twelve months from that day, under section 44(3). Past either limit you need the court's permission to apply, and it is not given as a matter of course. Reaching an agreement does not stop the clock. Only filing something does.

Do I need a divorce before a property settlement?

No. A divorce ends the marriage but divides nothing, and consent orders on the property can be filed at any time after separation. The order matters, though. Once a divorce order takes effect, a married couple has twelve months to apply for property orders, so applying for the divorce first starts a clock that did not exist before. The divorce is a separate application with its own court fee of $1,170.

Who gets the house in a separation?

Nobody gets the house automatically, and it does not simply go to the person whose name is on the title. The house is one asset in the pool. Who keeps it mostly depends on whether either of you can afford to refinance the mortgage in one name and pay the other out, and on what the children need. That is a separate question from what percentage of the pool each of you is entitled to.

Is my ex entitled to my inheritance?

An inheritance usually goes into the pool, but it counts as a contribution by the person who received it. It is not automatically theirs to keep, and it is not simply shared either. When it arrived and what happened to it matter most. Money that came in early and went onto a mortgage you both paid down for years has been largely absorbed. An inheritance received after separation is usually left almost entirely with the person who received it.

Do de facto couples split property the same way as married couples?

Almost exactly. De facto couples are dealt with under section 90SM rather than section 79, and since 10 June 2025 the two read almost identically. Two things differ. You must first pass a gateway test in section 90SB, and you have two years from the end of the relationship to apply. In Western Australia, de facto property matters are dealt with under the state's Family Court Act 1997 instead.

What happens to the family pet in a property settlement?

Since 10 June 2025 the Family Law Act deals with pets directly. A court can order that a companion animal belongs to one of you, is transferred, or is sold. It cannot order shared time with a pet. It looks at things like who bought it, who cared for it, any family violence or cruelty, and how attached the children are. Deciding who keeps a pet does not change the percentage split of everything else.

Can you be separated but still live in the same house?

Yes. The law recognises separation under one roof. What matters is whether the relationship ended, not whether somebody moved out. A court looks at things like whether you still share a bedroom, whether your finances have been separated, and whether family and friends have been told. The date matters, because it starts real deadlines, such as the two year limit for de facto couples.

How much does a property settlement cost in Australia?

It depends mostly on the route you take. Filing consent orders costs a court fee of $215, and published fixed legal fees for drawing them up run from about $2,000 to $4,400 per party. A contested case that goes to a final hearing is on another scale, with published cost guidance of $25,000 to $80,000 a side. Court fees are published and exact. Legal costs are not.

What does the full report add?

It shows every factor as a number of percentage points, so you can see what is moving your range and by how much. It prices up to nine ways of settling, from consent orders through to a final hearing, on what reaches you after the cost of getting there. It also works out the offered percentage at which accepting beats pursuing, so you can see whether spending $25,000 to argue on would leave you ahead.

Why is this so much cheaper than a lawyer?

Because the four steps are public, structured and published in thousands of judgments, and arithmetic scales. Published fixed fees for property consent orders run from $2,000 to $4,400, and senior family lawyers publish hourly rates of $440 to $660. What a lawyer gives you that this does not is advice on your own case from somebody licensed to give it.

Everything on Property Settlement Calculator

Your estimate is free, and it is a real answer.

Applies the four step pathway in section 79 of the Family Law Act 1975 to one household's own figures - identify and value the pool, assess contributions, assess current and future circumstances, test just and equitable - and produces a percentage range and a dollar range, with every factor priced in percentage points and up to nine ways of settling ranked on what reaches you after the cost of getting there.

Start the Property Settlement calculator