How SmartJudge Compares: Named Tools

The SmartJudge checklist set against eleven named tools, tested on 28 September 2026, with the settlement and maintenance rows added on 2 October 2026.

Each competitor cell records what was observed on that tool's public pages on 28 September 2026, or on 2 October 2026 for the settlement and maintenance rows. Hover, tap or tab to a mark to see the reason for it (every Partly, No and Not tested mark has one), or read the evidence notes below the table.

Yes. Observed on the page or in the tool.
Partly. Some of the feature, or behind a payment or sign-up. See the note.
No. Not offered on the page tested, or the page says otherwise.
Not applicable. The tool has no account, no steps or no stored data, so the row does not arise.
Not tested. Behind a gate that was not crossed, or a judgement rather than a fact.

SmartJudge feature checklist set against eleven named tools, tested 28 September 2026 and 2 October 2026
Feature	Smart Judge	Stowe Family Law	Divvio	Divorce- Online	Divorce Calculator UK	Money Helper	Weight- mans	Divorce IQ	Splitifi UK	Wiki- vorce	ukcalc- ulator.com	Law firm calculators
The report
Cites the legal basis for its assessment. The report works through the factors a court weighs under section 25 and explains its reasoning, rather than just giving a number.	Yes	No. Results described as a summary of what you entered plus the total to split. No legal reasoning described. Results step not reached.	Partly. Lists the factors that can move a split from 50/50 and describes the sharing principle. No statute or case named.	Partly. Pre-written general guidance paragraphs per answer. No figures.	No. Financial modelling; "not a legal verdict". No legal framework cited on the pages read.	No. Spreadsheet download.	Partly. Pre-written general guidance paragraphs per answer. No figures.	Partly. Landing page names White v White and Miller v Miller and promises the report explains its assumptions and method. The report sits behind £29 and was not read.	Partly. The settlement estimator lists the eight section 25 factors and four principles beside a percentage result; no case named (re-tested 2 October 2026).	Partly. Page explains section 25 and links to a methodology page; the calculation was not run.	Partly. The guide beneath the calculator sets out the section 25 factors; the calculator itself is arithmetic on a chosen approach.	Partly. IFLG explains the sharing and needs framework beside its arithmetic. Osbourne Pinner and Wiselaw show totals only. Winston not reached. Wildings has no calculator.
Sets out a simple split of the assets. You get a clear starting point for how the house, pensions, savings and other assets would be likely to divide.	Yes	Partly. Page says results show "the total amount you and your partner will need to split", not how it would divide.	Yes. Your total and partner's total at 50/50, 40/60, 60/40 and a needs-led illustration.	No. No figures asked, none produced.	Partly. Free preview shows the pool and the shape of options with detail locked; four options side by side costs £79.	Partly. You enter figures and a split yourself in the spreadsheet.	No. No figures asked, none produced.	Yes. Low, likely and high settlement figures, per the sample report; paid.	Yes. The settlement estimator shows each party's share in pounds and percent (re-tested 2 October 2026).	Not tested. Form inspected; calculation not run.	Partly. Offers equal, needs-based and contributions-based approaches; not run this round.	Partly. Osbourne Pinner shows each party's share and percentage; IFLG shows an equal division and a needs claim; Wiselaw totals only; Winston not reached; Wildings none.
Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. The report cites only from that set, and a technical check stops it inventing case law.	Yes	No. No case named on the page.	No. No case named on the page or in the on-screen report.	No. No case named in the quiz or report paragraphs.	No. No case named on the pages read.	No. No case named on the page.	No. Refers to "precedents" in general; none named.	No. Two case names on the landing page; no vetted list or citation check described.	No. No case named.	No. No case named on the calculator pages.	No. Two cases named in the guide; no list or check.	No. No case named on any of the five pages.
Ease of use
No name, address or phone number needed to get the result. You sign in with an email address so your answers are saved privately, but nobody calls you back before you see your result.	Yes. Email address only, and a made-up one works.	No. Full name required at step 1 and email required at step 4, before results.	Yes. On-screen result needs nothing. The PDF needs an email address.	Yes. Quiz result shows without details. Callback forms on the page ask for name, email and phone.	Yes. No sign-up; no names or contact details processed, per the site.	Yes. Anonymous spreadsheet download.	Yes. Quiz result shows without details.	Not tested. Step 5 of 35 is "Your details" and comes before the finance steps; its fields could not be read. Purchase needs an email for delivery.	Yes. Free tools need no sign-up; observed on the pension estimator.	Yes. No contact fields; data kept in your own browser cookies.	Yes. No contact fields.	Yes. IFLG, Osbourne Pinner and Wiselaw show results without contact details; their enquiry forms are separate. Winston not reached. Wildings has no calculator.
A chatbot on hand to help with the questions.	Yes	Partly. Site-wide "AI Assistant" launcher, not tied to the calculator.	No. None on the calculator page.	Not tested. None on this page. An AI adviser exists elsewhere on the site; not tested.	No. Email support only.	No	Partly. AI chat box on the page; not tried against the questions.	No. None seen.	Partly. "AI Legal Coach" is a platform feature; not on the free tool page.	No	No	No. None on the five pages.
Works well on a mobile phone. Measured: Lighthouse mobile Performance, median of three runs. 90 or more = Yes, 50 to 89 = Partly, under 50 = No.	Yes. Lighthouse mobile Performance 95 (runs: 93, 95, 95) on smartjudge.ai; Accessibility 100.	No. Lighthouse mobile Performance 36 (runs: 31, 36, 36) on the calculator page; Accessibility 93.	Partly. Lighthouse mobile Performance 78 (runs: 78, 56, 78) on the calculator page; Accessibility 90.	No. Lighthouse mobile Performance 32 (runs: 32, 32, 32) on the calculator page; Accessibility 90.	Not tested. Lighthouse could not measure Performance: all three mobile runs ended with NO_NAVSTART. Accessibility 92 was recorded.	No. Lighthouse mobile Performance 30 (runs: 29, 30, 30) on the guide page; Accessibility 90.	Not tested. Lighthouse could not measure Performance: all three mobile runs ended with NO_NAVSTART. Accessibility 100 was recorded.	Partly. Lighthouse mobile Performance 82 (runs: 76, 82, 82) on the landing page; Accessibility 90.	No. Lighthouse mobile Performance 27 (runs: 27, 27, 27) on the UK home page; Accessibility 95.	Partly. Lighthouse mobile Performance 67 (runs: 59, 70, 67) on the calculator page; Accessibility 74.	No. Lighthouse mobile Performance 37 (median of three) on the calculator page; Accessibility 93.	No. Lighthouse mobile Performance: IFLG 37, Osbourne Pinner 30, Winston 29, Wiselaw 44, Wildings 24 (runs: 24, 19, 26). All under 50.
Short steps, saved automatically as you go, so you can stop and come back whenever you like.	Yes	No. Kept only until you close the website; all progress lost if you leave and return, per the page.	No. Single page; nothing saved without an account.	No. Single-page quiz; nothing saved.	Partly. Nine steps; you can save a session token to return later.	Not applicable. You keep the spreadsheet.	No. Single-page quiz; nothing saved.	Yes. 35 short steps; "saved as you progress", per the page.	Not applicable. Single-page tool.	Partly. One long page in sections; figures kept in cookies on your computer so you can return.	No. Single page; nothing saved.	No. Osbourne Pinner and Winston have four steps but nothing is saved; IFLG and Wiselaw are single pages.
Shows how much is left to complete, so you always know where you are.	Yes	Yes. Five named steps shown across the top.	Not applicable. Single page.	Not applicable. Single page.	Not tested. Described as a nine-step wizard; not walked.	Not applicable	Not applicable. Single page.	Yes. "1 / 35" counter and a full step list.	Not applicable. Single page.	Not applicable. Sections on one page.	Not applicable. Single page.	Partly. Step indicators on Osbourne Pinner (4 steps), Winston (4) and Wiselaw (1 of 4); IFLG is one form.
Plain language, avoiding jargon wherever possible. Measured: Flesch Reading Ease of the visible page copy. 60 or more = Yes, 50 to 59 = Partly, under 50 = No.	Yes. Flesch Reading Ease 64.7 for the form help text after the 2026-09-28 plain-language rewrite (app PR #449), up from 57.1; a CI guard now holds it at 60 or above. The public compare page scores 77.2; the home page 57.1 until its copy PR lands.	No. Flesch Reading Ease 43.8 on the calculator page copy (760 words).	Partly. Flesch Reading Ease 59.2 on the calculator page copy (1,405 words).	No. Flesch Reading Ease 45.9 on the calculator page copy (569 words).	Partly. Flesch Reading Ease 55.0 on the home page copy (1,911 words).	No. Flesch Reading Ease 45.0 on the guide page copy (217 words).	No. Flesch Reading Ease 51.7 on the calculator page copy (939 words).	No. Flesch Reading Ease 39.4 on the landing page copy (1,313 words).	No. Flesch Reading Ease 39.1 on the UK home page copy (646 words).	Partly. Flesch Reading Ease 51.7 on the calculator page copy (596 words).	No. Flesch Reading Ease 32.8 on the page copy including the guide (2,473 words).	No. Flesch Reading Ease 32.7 (IFLG), 44.7 (Osbourne Pinner), 45.9 (Winston), 45.2 (Wiselaw), 39.0 (Wildings).
Sign in with Google, Apple or Facebook, or with an email address and password.	Yes	Not applicable. No account.	Partly. Account log-in: emailed code, password or Google. No Apple or Facebook.	Not applicable. No account for the quiz.	Not applicable. No account; session token instead.	Not applicable	Not applicable. No account.	Not tested. Account flow not seen.	Not tested. Platform log-in not tested.	Not applicable. No account.	Not applicable. No account.	Not applicable. No accounts.
Fast, accessible and built to web best practice. Measured: Lighthouse Performance, Accessibility and Best Practices, median of three runs, mobile and desktop. All six at 90 or more = Yes, any between 50 and 89 = Partly, any under 50 = No.	Yes. Mobile 95 / 100 / 100, desktop 100 / 100 / 100 (Performance / Accessibility / Best Practices).	No. Mobile 36 / 93 / 100, desktop 92 / 90 / 100. Mobile Performance under 50.	Partly. Mobile 78 / 90 / 100, desktop 100 / 90 / 100. Mobile Performance between 50 and 89.	No. Mobile 32 / 90 / 61, desktop 71 / 99 / 59. Mobile Performance under 50; Best Practices under 90 on both.	Not tested. Performance and Best Practices could not be measured (NO_NAVSTART on every run). Accessibility 92 mobile, 88 desktop.	No. Mobile 30 / 90 / 75, desktop 82 / 94 / 74. Mobile Performance under 50.	Partly. Desktop 88 / 100 / 100 on the one run that completed (a second completed run scored 90). Mobile could not be measured (NO_NAVSTART on three runs).	Partly. Mobile 82 / 90 / 93, desktop 98 / 95 / 93. Mobile Performance between 50 and 89.	No. Mobile 27 / 95 / 75, desktop 51 / 95 / 74. Mobile Performance under 50.	Partly. Mobile 67 / 74 / 75. Desktop runs did not complete (three attempts). Every measured score sits between 50 and 89.	No. Mobile 37 / 93 / 75, desktop 83 / 93 / 74. Mobile Performance under 50.	No. Mobile Performance under 50 on all five. Desktop: IFLG 82 / 90 / 100, Osbourne Pinner 60 / 76 / 78, Winston 73 / 82 / 78, Wildings 48 / 91 / 74; Wiselaw desktop runs did not complete.
Your Form E
Prefill from your Form E. If you already have your own Form E, upload it and the questions it answers are filled in for you to check.	Yes	No	No. Figures flow from the calculator into Divvio's Form E product, not from an existing Form E into the calculator.	No	No	No	No	No	No. A Form E builder is offered, not an upload of an existing Form E.	No	No	No
Populate and export your Form E. Your answers can be exported into a Form E for you to review and complete.	Yes	No	Partly. Calculator figures carry into Divvio's own Form E product, which needs an account. Export from that product not tested.	No	No	No	No	Partly. "Automated Form E Pack" for £50; not tested.	Partly. Free "Form E Builder" (29 sections); not tested.	No. Guide on completing Form E only.	No	No
Control of your data
Export your data in a range of formats: PDF, HTML or JSON.	Yes	Partly. Results emailed to you; email address required.	Partly. PDF by email only, with the guidance opt-in on the same tick box.	No. On-screen only.	Partly. PDF included in the £79 report.	Not applicable. The spreadsheet is the data.	No. On-screen only.	Partly. PDF with the paid report, emailed.	Not tested. Not tested.	No. On-screen.	Partly. "Print Results" button only.	No. On-screen only.
Edit or delete your data at any time.	Yes	No. Details go to the firm with the callback request; no account or deletion control on the page.	Not applicable. Nothing stored for the calculator itself. Account product not tested.	Not applicable. Nothing stored by the quiz.	Partly. Held in the browser; session token optional.	Not applicable	Not applicable. Nothing stored by the quiz.	Not tested. Account not created.	Not tested. Account not created.	Partly. Held in cookies on your own computer; clear them to delete.	Not applicable. Nothing stored.	Not applicable. Nothing stored by the calculators.
Optional two-factor authentication, or a passkey, for an extra layer of protection on your account.	Yes	Not applicable. No account.	Not tested. Log-in uses an emailed code or password. No two-factor option visible without an account.	Not applicable. No account.	Not applicable. No account.	Not applicable	Not applicable. No account.	Not tested. Account not created.	Not tested. Account not created.	Not applicable. No account.	Not applicable. No account.	Not applicable. No accounts.
Added points of difference (not on the public checklist)
Produces a full written report, not a total or a percentage. Several pages of reasoning on your figures, in plain English.	Yes	No. Summary of what you entered plus the total to split, per the page.	Partly. On-screen sections plus an emailed PDF; described as illustrative mechanics.	Partly. Pre-written paragraphs selected by your answers; no figures.	Yes. Three-part written position with a PDF, at £79.	No	Partly. Pre-written paragraphs selected by your answers; no figures.	Yes. 30-plus page report format shown in the sample; £29.	No. Estimate plus a fixed list of section 25 factors.	Not tested. Calculation not run.	No. Estimate plus a print button.	No. Totals, percentages or arithmetic on the page; no report.
Names the judgments it relies on, with citations a solicitor can look up.	Yes	No	No	No	No	No	No	Partly. Two case names on the landing page, without citations; the report was not read.	No	No. Not on the calculator pages.	Partly. White v White [2000] and Charman v Charman [2007] named in the guide, not in the result.	No
Checks the case falls under the law of England and Wales before it starts.	Yes	No. Not asked. UK-wide firm.	Partly. States "for England & Wales"; does not ask.	No. Not asked.	Yes. Profile step asks "England & Wales?".	No. UK-wide guidance.	No. Not asked.	Partly. States "England & Wales only"; a "Situation" step exists but was not read.	Yes. The settlement estimator asks: England & Wales, Scotland or Northern Ireland (re-tested 2 October 2026).	Partly. Says England and Wales in the copy; does not ask.	No. Framed as "UK"; does not ask.	No. All state or imply England and Wales; none asks.
Will not produce a result while essential figures are missing. A thin answer is a misleading one, so the report waits for the essentials.	Yes	Partly. Required fields marked; blanks default to 0 on money fields.	No. Calculates with blanks treated as £0.	Partly. Some questions marked required; no figures involved.	Partly. Advertises "missing-value checks"; not walked.	No	Not tested	Not tested	No. The settlement estimator is pre-filled with example figures and shows a result with nothing entered.	Not tested	Not tested. Not run.	Partly. IFLG marks all five fields required; Osbourne Pinner and Wiselaw not run; Winston not reached.
Asks for pensions by their cash equivalent (CEV or CETV) value.	Yes. Asks for the Cash Equivalent Value and its date, with an "I don't have the CEV yet" option.	Partly. One "combined value of any pensions" box; CETV not mentioned.	Yes. Asks for the CETV and says not to use a fund value.	No. Yes/no only.	Yes. "Current transfer values for all pensions".	Not tested. Spreadsheet not opened.	No. Yes/no only.	Yes. CETV inputs, per the landing page and sample report.	Yes. Both CETVs asked in the pension estimator.	Yes. "Pension CETV" is an asset type.	Yes. Partner 1 and Partner 2 pension (CETV) fields.	Partly. Osbourne Pinner asks "Pensions (CETV)"; Wiselaw mentions the cash equivalent value and allows an estimate; IFLG excludes pensions; Winston not reached.
The full result is free, with no payment.	Yes. The core report is free, and so are the Settlement Options and Maintenance reports that follow it.	Yes	Yes	Yes	No. Free preview; full position £79; reviewer assessment £275.	Yes	Yes	No. Free assessment; the report is £29, the disclosure pack £50, the bundle £69, and a £195 complex-asset review was listed by 2 October 2026.	Yes. Free tools; full platform £299 per month.	Yes	Yes	Yes
No marketing contact as part of getting the result.	Yes. Only account emails.	No. Email required before results; results emailed; callback offered using the details shared. Newsletter is a separate opt-in.	Partly. On-screen result is free of it. The PDF tick box includes "occasional related Divvio guidance".	Yes. Quiz result needs nothing. Callback forms are separate.	Yes. States it never passes details to solicitors or brokers.	Yes	Yes	Not tested. Depends on what step 5 asks; not verified.	Yes. Free tools need no sign-up.	Yes. Paid services are advertised beside the calculator, but nothing is asked of you.	Yes	Yes. IFLG, Osbourne Pinner and Wiselaw: results without contact; enquiry forms separate. Winston not reached. Wildings offers a callback in place of a calculator.
A human legal review can be booked from the result, at a published fixed price.	Yes. Solicitor review and judge or barrister opinion, booked in the app.	Partly. Free callback from the firm; no fixed-price review shown on the page.	No. Mediation software; no review offered to the consumer.	Partly. Fixed-fee consent order services and a callback; not a review of the result.	Partly. £275 written assessment by an "assigned reviewer", not described as a solicitor.	No. Signposts to advice.	Partly. Contact the firm.	No. "No solicitor pressure"; none offered.	No. Not a law firm; professional portals for the other side of the table.	Partly. Fixed-price services from £299 (negotiation, mediation, court support); not a review of the result.	No	Partly. Contact the firm; no fixed-price review shown on any of the five pages.
Tells you what figures to gather before you start. The reviewer's suggested "before-you-start checklist" axis.	Yes. A "Before you start" page inside the case flow lists what to gather (property value, pension CEV, payslips or P60) with links to where each comes from; the "How long will it take" FAQ repeats the list.	Yes. "What information will I need?" expander above the form.	Partly. Field labels and notes only.	No	Yes. The nine steps and their contents are listed on "How it works".	Yes. Short list on the page.	No	Not tested. The report promises "document prompts"; whether the flow lists what to gather first was not seen.	No	No. The start page says to use the Help buttons; no list.	No	Partly. Osbourne Pinner's intro names what the steps ask for; the others do not.
Asks about income, needs and children as well as assets. The section 25 checklist is wider than the asset pot.	Yes. Seven steps covering property, income, pensions, debts, needs and children.	No. Assets and debts only; no income or outgoings fields in the form.	Partly. Assets and debts, plus an optional rehousing budget.	Partly. Yes/no questions on earning capacity and dependency; no figures.	Yes. Income, living costs and children feed the model.	Not tested. Spreadsheet not opened.	Partly. Yes/no questions on earning capacity and dependency; no figures.	Yes. Income, housing costs, spending, children and shared care are steps in the flow.	Partly. Earning-capacity bands, a housing-need choice and a children yes/no; no income or outgoings figures.	Yes. Incomes, outgoings for each party, children and overnight stays.	Partly. Both incomes and number of children; no needs.	Partly. IFLG asks for a single reasonable-needs figure; Osbourne Pinner and Winston ask the number of children; Wiselaw assets only.
Lets you continue when you do not know the other party's figures.	Yes. Every question about the other party is optional; "not known" is an answer.	Partly. Partner's date of birth is required; partner money fields default to 0.	Partly. Combined pot only; no per-party figures asked.	Partly. "Not sure" options; no figures.	Not tested. Wizard not walked.	Yes. Page says you do not have to enter a partner's details.	Partly. "Not sure" options; no figures.	Not tested	Partly. Spouse's CETV can be left blank.	Not tested	Not tested	Not tested
Names the regulated firm or reviewer behind the legal content.	Yes. A practising solicitor at Paradigm Family Law reviews the legal framing; named by role on the how-it-was-built page.	Yes. The firm itself, SRA regulated.	Partly. "Built by a barrister-trained founder"; no reviewer named.	Yes. Footer names OLS Solicitors and its SRA number.	No. "Assigned reviewer" for the £275 service; not named or described as regulated.	Partly. Money and Pensions Service, a government body; not legal content.	Yes. The firm itself, SRA regulated.	No. No person or firm named; "court-aligned method".	No. States it is not a law firm; no reviewer named.	Partly. Wikivorce is a consultancy, not a firm; no reviewer named.	No. "UK Calculator Editorial"; no person or firm.	Yes. IFLG, Osbourne Pinner, Winston and Wildings are SRA-regulated firms and say so. Wiselaw is a directory.
Publishes how the tool was built and who checked it.	Yes. The "How was SmartJudge built and who checked it?" page.	No	Partly. "How the split is estimated" explains the arithmetic; no reviewer.	No	Partly. "How it works" explains the model and says the guide is not AI-written; no reviewer.	No	No	Partly. "Transparent methodology" and assumptions promised in the report; no reviewer.	No	Partly. A "Calculation Methodology" page; no reviewer.	Partly. "Calculator verified Apr 2026" by its own editorial; no method page seen.	No
An opinion from a family law judge or barrister can be booked on your own figures.	Yes. Judge or barrister opinion, fixed price, booked in the app.	No	No	No	No	No	No	No	No	No	No	No
Withholds the report if any cited case fails verification. A failed citation sends the draft back; if it fails again, no report is released.	Yes. Stated on the how-it-was-built page: the draft goes back for correction and a second failure means no report.	No. Produces no citations, so there is nothing to verify.	No. Produces no citations, so there is nothing to verify.	No. Produces no citations, so there is nothing to verify.	No. Produces no citations, so there is nothing to verify.	No. Produces no citations, so there is nothing to verify.	No. Produces no citations, so there is nothing to verify.	No. Names two cases in its landing copy; no verification step is described.	No. Produces no citations, so there is nothing to verify.	No. Produces no citations, so there is nothing to verify.	No. Names two cases in its guide; no verification step is described.	No. Produces no citations, so there is nothing to verify.
Asks about all eight section 25 factors. Income and earning capacity, needs, standard of living, age and length of marriage, health, contributions, conduct, and benefits lost on divorce.	Yes. Income, needs, age and marriage length, health and children are asked in every flow; standard of living, contributions and conduct have dedicated questions in Form E mode and a free-text "things for a judge to consider" box in the standard flow.	No. Dates, children, assets and debts only.	No. Assets and debts, plus an optional rehousing budget.	Partly. Marriage length, children, earning capacity and dependency as yes/no questions; nothing on standard of living, health, contributions or conduct.	Partly. Income, living costs, children and marriage length; nothing on contributions, conduct, health or standard of living.	Not tested. Spreadsheet not opened.	Partly. Same yes/no set as Divorce-Online plus overseas assets.	Partly. Relationship, children, income, housing costs, pensions, savings, debts and spending are steps; contributions, conduct and standard of living were not seen in the step list.	Partly. Marriage length, children, ages, earning capacity and housing need; nothing on standard of living, contributions, conduct or health.	Partly. Marriage length, ages, incomes, outgoings, children and assets; nothing on contributions, conduct or health.	Partly. Marriage length, children, incomes and pre-marital assets; nothing on needs, health, contributions or conduct.	Partly. IFLG asks a single needs figure; Osbourne Pinner and Winston ask marriage length and children; Wiselaw assets only.
The free report lists the points a judge would be likely to press. The gaps and questions a court would raise, free, not behind a paid tier.	Yes. Every free report ends with the points a judge would be most likely to press.	No. Results are a summary, a total and general advice, per the page.	Partly. A short "what to double-check" line on screen; a checklist of what to gather next comes in the emailed PDF.	No. Pre-written guidance paragraphs only.	No. "What to check next" is part of the £79 report.	No	No. Pre-written guidance paragraphs only.	No. "Document prompts, solicitor questions, next actions" are in the paid report.	No	Not tested. Calculation not run.	No. Estimate plus a print button.	No. Totals or arithmetic only; Osbourne Pinner adds a generic advice note.
Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything.	Yes. Export as PDF, HTML or JSON and share the report; the recipient sees the same figures.	No. Results are emailed to you only, and the firm keeps the details for its callback.	Partly. PDF by email that you can forward; sharing inside a mediation practice is a separate paid product.	No. On-screen only.	Partly. PDF in the £79 report, described as useful for sharing with a mediator.	Partly. The spreadsheet is a file you can send.	No. On-screen only.	Partly. PDF by email with the paid report.	Not tested	No. On-screen only; figures live in your cookies.	Partly. "Print Results" only.	No. On-screen only on all four working calculators.
Deletes inactive accounts automatically after a warning email, with the retention period stated. Privacy notices were not read this round, so most cells are Not tested rather than No.	Yes. Inactive accounts are purged on a schedule after a warning email; the period is stated in the privacy notice and the why-email FAQ.	Not tested. Your details go to the firm with the callback request; its retention terms were not read.	Not tested. Account product not tested.	Not applicable. No account; callback form data goes to the firm.	Not tested. Browser-held with an optional session token; retention not stated on the pages read.	Not applicable. Nothing stored.	Not applicable. No account.	Partly. Answers are "auto-deleted 90 days after report generation", per the landing page; no warning email described.	Not tested. Account not created.	Not applicable. Cookies on your own computer only.	Not applicable. Nothing stored.	Not applicable. No accounts.
Installable as a home-screen app. Measured: a web app manifest linked from the page, plus install guidance. Manifest alone = Partly.	Yes. Manifest linked from every page and an "add to home screen" guide.	No. No manifest on the calculator page.	No. No manifest.	Partly. A manifest is linked; no install guidance.	No. No manifest.	No. No manifest.	Partly. A manifest is linked and a service worker is registered; no install guidance.	No. No manifest.	Partly. A manifest is linked; no install guidance.	No. No manifest.	Partly. A manifest is linked; no install guidance.	No. No manifest on any of the five pages.
Settlement options and maintenance (added October 2026)
Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Tested 2 October 2026.	Yes. Free Settlement Options report, once the SmartJudge report exists: sell and split, keep-the-home routes for either party, and offsetting or sharing pensions, in pounds for each person. Illustrative; it does not change the range in the core report.	No. Results step not reached; the page describes the results as a summary, the total to split and advice.	Partly. The calculator compares 50/50, 40/60 and 60/40 splits. A separate free House Buyout Calculator sets out sell, you buy out and they buy out; the figures are entered again.	No. No figures asked, none produced.	Partly. Four routes side by side (sell and split, either party keeps the home, deferred sale) with monthly cashflow, in the £79 report. It includes a deferred sale, which SmartJudge does not model. The free preview shows only the shape.	Not tested. Spreadsheet not opened (a file download).	No. No figures asked, none produced.	No. Low, likely and high totals and a sale-based housing check in the sample report; no keep-versus-sell comparison seen.	No. The settlement estimator gives one split in pounds and percent.	No. One suggested split, per the methodology page; it says a Mesher order may be needed where a mortgage cannot be raised, which it cannot assess.	No. Equal, needs-based or contributions-based approaches; home options such as a Mesher order are described in the guide, not calculated.	No. Totals, percentages or arithmetic only on the five pages.
Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. Tested 2 October 2026.	Yes. Free Settlement Options report: a borrowing indication of 3 to 4 times P60 income, monthly repayments at 5% and a 7% stress rate against your own budget, and a rehousing check against the cost of a suitable home you enter. An illustration, not mortgage advice.	No. No income or housing questions in the form.	Partly. An optional rehousing budget is tested against your share. The separate House Buyout Calculator tests a new mortgage at 4.5 times income. No monthly repayment check seen.	No. No figures asked, none produced.	Partly. Mortgage pressure checks, monthly cash position, reserves and stress tests on interest rate, expenses and house price, in the £79 report. It stress-tests income and house price, which SmartJudge does not.	Not tested. Spreadsheet not opened. MoneyHelper's general mortgage affordability calculator is a separate tool.	No. A paragraph mentions mortgage payments and interim maintenance; no figures.	Partly. A rehousing check at 3.5 times income in the paid sample report; no monthly repayment test seen.	No. The estimator asks you to choose a housing need such as "can afford to rehouse"; it does not work out borrowing.	No. The methodology page says the calculator cannot assess whether a party can raise a mortgage.	No. The guide says courts look at mortgage capacity; the calculator does not work it out.	No. No borrowing or affordability check on the five pages.
Compares offsetting pensions against sharing them, on your figures. Tested 2 October 2026.	Yes. Free Settlement Options report: each pension at its CEV and at an illustrative cash value (15 to 30% tax, 0 to 25% utility adjustment), never pound for pound. The equal-CEV figure is withheld where scheme types make it unreliable, and the report says when a pensions expert (PODE) is likely to be needed.	No. One combined pensions box. Offsetting and sharing are named in the page FAQ only.	Partly. Discounts pensions to a cash equivalent so the splits compare like for like and flags offsetting; the page says it cannot tell whether sharing is better than offsetting.	No. A pre-written paragraph explains sharing, offsetting and attachment; no figures.	Partly. Pension sharing and offsetting scenario assumptions are listed for the £79 report; not seen.	Not tested. Spreadsheet not opened.	No. A pre-written paragraph on pension sharing orders; no figures.	Partly. A pension transfer (equalisation) figure in the paid sample report; offsetting not seen.	Partly. A separate free pension estimator lets you choose sharing, attachment or offsetting and shows the transfer to equalise CETVs, one route at a time.	No. Pension CETV is an asset in the pot; no offsetting comparison described.	Partly. A separate free pension sharing calculator has an optional offsetting comparison against property equity and a warning on defined benefit values; the figures are entered again.	No. Osbourne Pinner adds CETVs to each party's total; IFLG excludes pensions; no comparison on any of the five.
Works out child maintenance with the statutory formula, including shared care. Tested 2 October 2026.	Yes. Free Maintenance report: the 2012 statutory formula with the shared-care bands, from the income already entered.	No. Asks only whether there are dependent children.	No. The page says the calculator cannot assess maintenance.	No. A pre-written paragraph says the CMS works from the paying parent's income; no figure.	Partly. A "CMS-style" child maintenance estimate in the £79 report; shared care not described on the pages read.	Not tested. Spreadsheet not opened.	No. No figure.	Partly. A CMS figure with the shared-care reduction in the paid sample report.	Partly. A separate free child maintenance calculator with the CMS rate bands and shared-care bands; the figures are entered separately from the settlement estimator.	Partly. One overall maintenance figure covering child and spousal maintenance, from need and ability to pay, per the methodology page; not the statutory formula. Overnight stays are asked.	Partly. A separate free CMS calculator for self-employed paying parents, with shared-care nights; the figures are entered again.	No. IFLG's spousal calculator takes child maintenance needs as an input; none of the five works out a CMS figure.
Looks at spousal maintenance and whether a clean break is realistic in your case. Tested 2 October 2026.	Yes. Free Maintenance report: the income gap from your own budget after child maintenance, a clean-break capital range from SmartJudge's own present-value model (not the Duxbury tables) and term indicators. It shows where a judge would start, not what will be ordered, and gives no monthly award.	Not tested. Results step not reached (behind name and email); the page promises advice for your situation.	No. The page says the calculator cannot assess whether maintenance is needed.	Partly. Pre-written paragraphs chosen by your answers discuss spousal maintenance and when a clean break is possible; no figures.	No. Spousal maintenance can be entered as income for the cashflow; no assessment of it or of a clean break was described on the pages read.	Not tested. Spreadsheet not opened.	Partly. Pre-written paragraphs chosen by your answers discuss spousal maintenance and whether a clean break is appropriate; no figures.	Partly. A monthly spousal maintenance estimate, a term and a lump-sum equivalent in the paid sample report. It gives a monthly figure, which SmartJudge does not.	No. "Clean break if possible" is listed as a principle; no maintenance figure.	Partly. One overall maintenance figure from need and ability to pay, per the methodology page; clean break not discussed; not run.	Partly. Separate free spousal maintenance and Duxbury-style clean break calculators; the figures are entered again.	Partly. IFLG has a separate spousal maintenance calculator that shares income after child needs; the other four have none.
Score: Yes = 1, Partly = 0.5, over the rows that could be tested for that column
Yes	41	4	4	4	7	5	4	6	6	5	4	4
Partly	0	7	20	9	14	3	10	15	9	13	12	10
No	0	26	13	22	13	18	20	12	18	14	18	22
Not applicable	0	2	2	5	2	7	5	0	2	4	5	4
Not tested	0	2	2	1	5	8	2	8	6	5	2	1
Score	41 / 41	7.5 / 37	14 / 37	8.5 / 35	14 / 34	6.5 / 26	9 / 34	13.5 / 33	10.5 / 33	11.5 / 32	10 / 34	9 / 36
Percent of tested rows	100%	20%	38%	24%	41%	25%	26%	41%	32%	36%	29%	25%

Scores, ranked

The score sums up the table above and nothing more. It counts only the rows that could be tested for each tool, so a tool is not marked down for having no account, and nothing behind a step we did not cross counts either way. SmartJudge is scored the same way. We chose the rows, so part of SmartJudge's lead comes from that choice. The score is not a measure of accuracy or of the quality of any result.

SmartJudge: 41 out of 41 tested rows (100%), with 0 not applicable and 0 not tested.
DivorceCalculatorUK (divorcecalculatoruk.co.uk): 14 out of 34 tested rows (41%), with 2 not applicable and 5 not tested.
DivorceIQ settlement report: 13.5 out of 33 tested rows (41%), with 0 not applicable and 8 not tested.
Divvio divorce settlement calculator: 14 out of 37 tested rows (38%), with 2 not applicable and 2 not tested.
Wikivorce divorce calculator: 11.5 out of 32 tested rows (36%), with 4 not applicable and 5 not tested.
Splitifi UK free tools: 10.5 out of 33 tested rows (32%), with 2 not applicable and 6 not tested.
ukcalculator.com divorce financial settlement calculator: 10 out of 34 tested rows (29%), with 5 not applicable and 2 not tested.
Weightmans divorce settlement calculator: 9 out of 34 tested rows (26%), with 5 not applicable and 2 not tested.
Law firm calculators: IFLG, Osbourne Pinner, Winston Solicitors, Wiselaw, Wildings: 9 out of 36 tested rows (25%), with 4 not applicable and 1 not tested.
MoneyHelper divorce and money calculator: 6.5 out of 26 tested rows (25%), with 7 not applicable and 8 not tested.
Divorce-Online divorce settlement calculator: 8.5 out of 35 tested rows (24%), with 5 not applicable and 1 not tested.
Stowe Family Law divorce calculator: 7.5 out of 37 tested rows (20%), with 2 not applicable and 2 not tested.

What was tested, and how

Each tool's public calculator page was opened in a browser on 28 September 2026, cookies were declined, the visible copy was read and the form or quiz was inspected. No account was created, no callback or lead form was submitted and no personal data was entered. Anything behind a sign-up, a payment or a details step is marked "not tested" rather than guessed. Dated screenshots of each page are kept on file. Every "No" below is a statement about the page on that date, not about the tool's quality.

The five settlement and maintenance rows were added on 2 October 2026, when every column was tested again on them by the same method and the cells passed on the way were re-checked. Two rules apply to those rows only. A feature that is only in a paid report is Partly, as the legend says. A separate calculator on the same site, where the figures have to be entered again, is also Partly, because the row asks whether the tool works it out from your case. Where a tool goes further than SmartJudge, the note says so.

Three rows that were judgements are now measured, as set out below. The public row "only asks questions the report uses" is not in this table: it cannot be observed from outside a product and is largely covered by the contact-details row.

The three measured rows

Works well on a mobile phone: Lighthouse mobile Performance, median of three runs. 90 or more is Yes, 50 to 89 is Partly, under 50 is No.
Plain language: Flesch Reading Ease of the visible page copy (header, navigation and footer removed, lines under four words dropped). 60 or more is Yes, 50 to 59 is Partly, under 50 is No. For SmartJudge the sample is the form's questions and help text, because that is what the row is about; the home page and the public compare page are shown for context.
Fast, accessible and built to web best practice: Lighthouse Performance, Accessibility and Best Practices, median of three runs, on mobile and on desktop. All six at 90 or more is Yes, any between 50 and 89 is Partly, any under 50 is No. SEO was recorded but not scored.

Lighthouse 12.6.1, headless Chromium, run from one UK connection on 28 September 2026. Two sites (DivorceCalculatorUK on both forms, Weightmans on mobile) returned NO_NAVSTART on every attempt, so their Performance and Best Practices could not be measured and those cells are Not tested rather than guessed. Per-run results and the readability samples are kept on file.

Lighthouse medians and Flesch Reading Ease per tool
Tool	Lighthouse mobile (Perf / A11y / Best Practices)	Lighthouse desktop (Perf / A11y / Best Practices)	Flesch Reading Ease	Readability sample
SmartJudge	95 / 100 / 100	100 / 100 / 100	64.7	Form help text after the 2026-09-28 rewrite (PR #449), 6,400 words; was 57.1. Public compare page 77.2, home page 57.1.
Stowe Family Law	36 / 93 / 100	92 / 90 / 100	43.8	Calculator page copy (760 words).
Divvio	78 / 90 / 100	100 / 90 / 100	59.2	Calculator page copy (1,405 words).
Divorce-Online	32 / 90 / 61	71 / 99 / 59	45.9	Calculator page copy (569 words).
DivorceCalculatorUK	not measured (Accessibility 92)	not measured (Accessibility 88)	55.0	Home page copy (1,911 words).
MoneyHelper	30 / 90 / 75	82 / 94 / 74	45.0	Guide page copy (217 words), captured in the browser.
Weightmans	not measured (Accessibility 100)	88 / 100 / 100 (single completed run)	51.7	Calculator page copy (939 words).
DivorceIQ	82 / 90 / 93	98 / 95 / 93	39.4	Landing page copy (1,313 words).
Splitifi UK	27 / 95 / 75	51 / 95 / 74	39.1	UK home page copy (646 words).
Wikivorce	67 / 74 / 75	not measured (runs did not complete)	51.7	Calculator page copy (596 words).
ukcalculator.com	37 / 93 / 75	83 / 93 / 74	32.8	Page copy including the guide (2,473 words).
Law firm calculators	IFLG 37 / 90 / 100; Osbourne Pinner 30 / 79 / 79; Winston 29 / 85 / 79; Wiselaw 44 / 80 / 100; Wildings 24 / 88 / 75	IFLG 82 / 90 / 100; Osbourne Pinner 60 / 76 / 78; Winston 73 / 82 / 78; Wildings 48 / 91 / 74; Wiselaw not measured	32.7 to 45.9	Each calculator page: IFLG 32.7, Osbourne Pinner 44.7, Winston 45.9, Wiselaw 45.2, Wildings 39.0.

Evidence notes by tool

Stowe Family Law divorce calculator tested 28 September 2026 and 2 October 2026

https://www.stowefamilylaw.co.uk/family-law/divorce/divorce-calculator/
Screenshot: stowe-landing.png; 2026-10/stowe-calculator.jpg

A five-step form on a law firm website: your relationship, your assets, your debts, enter your details, your results.

Observed

Step 1 requires your full name, your date of birth, your partner's date of birth, the date you started living together and the date of marriage before any financial question.
Step 4 ("Enter your details") requires an email address before the results step. There is a tick box to decline an emailed copy and a separate newsletter opt-in.
The page says the results are "a summary of the information you shared along with the total amount you and your partner will need to split", plus advice, and that you can request a callback and the team "will use the details you shared here".
Progress is kept only until you close the website; the page says all progress is lost if you leave and return.
Pensions are asked as a single "combined value of any pensions" figure.
No case or statute is named on the page. The site has a general "AI Assistant" launcher, not tied to the calculator.
Results step not reached: it sits behind the name and email fields, which were not filled in.
2 October 2026: unchanged. Asks only whether there are dependent children; no housing, maintenance or pension-option questions. Results step still not reached.

Row notes

No Cites the legal basis for its assessment. Results described as a summary of what you entered plus the total to split. No legal reasoning described. Results step not reached.
Partly Sets out a simple split of the assets. Page says results show "the total amount you and your partner will need to split", not how it would divide.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named on the page.
No No name, address or phone number needed to get the result. Full name required at step 1 and email required at step 4, before results.
Partly A chatbot on hand to help with the questions. Site-wide "AI Assistant" launcher, not tied to the calculator.
No Works well on a mobile phone. Lighthouse mobile Performance 36 (runs: 31, 36, 36) on the calculator page; Accessibility 93.
No Short steps, saved automatically as you go, Kept only until you close the website; all progress lost if you leave and return, per the page.
Yes Shows how much is left to complete, Five named steps shown across the top.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 43.8 on the calculator page copy (760 words).
Not applicable Sign in with Google, Apple or Facebook, No account.
No Fast, accessible and built to web best practice. Mobile 36 / 93 / 100, desktop 92 / 90 / 100. Mobile Performance under 50.
Partly Export your data in a range of formats: Results emailed to you; email address required.
No Edit or delete your data at any time. Details go to the firm with the callback request; no account or deletion control on the page.
Not applicable Optional two-factor authentication, No account.
No Produces a full written report, not a total or a percentage. Summary of what you entered plus the total to split, per the page.
No Checks the case falls under the law of England and Wales before it starts. Not asked. UK-wide firm.
Partly Will not produce a result while essential figures are missing. Required fields marked; blanks default to 0 on money fields.
Partly Asks for pensions by their cash equivalent (CEV or CETV) value. One "combined value of any pensions" box; CETV not mentioned.
No No marketing contact as part of getting the result. Email required before results; results emailed; callback offered using the details shared. Newsletter is a separate opt-in.
Partly A human legal review can be booked from the result, at a published fixed price. Free callback from the firm; no fixed-price review shown on the page.
Yes Tells you what figures to gather before you start. "What information will I need?" expander above the form.
No Asks about income, needs and children as well as assets. Assets and debts only; no income or outgoings fields in the form.
Partly Lets you continue when you do not know the other party's figures. Partner's date of birth is required; partner money fields default to 0.
Yes Names the regulated firm or reviewer behind the legal content. The firm itself, SRA regulated.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
No Asks about all eight section 25 factors. Dates, children, assets and debts only.
No The free report lists the points a judge would be likely to press. Results are a summary, a total and general advice, per the page.
No Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. Results are emailed to you only, and the firm keeps the details for its callback.
Not tested Deletes inactive accounts automatically after a warning email, with the retention period stated. Your details go to the firm with the callback request; its retention terms were not read.
No Installable as a home-screen app. No manifest on the calculator page.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Results step not reached; the page describes the results as a summary, the total to split and advice.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. No income or housing questions in the form.
No Compares offsetting pensions against sharing them, on your figures. One combined pensions box. Offsetting and sharing are named in the page FAQ only.
No Works out child maintenance with the statutory formula, including shared care. Asks only whether there are dependent children.
Not tested Looks at spousal maintenance and whether a clean break is realistic in your case. Results step not reached (behind name and email); the page promises advice for your situation.

Divvio divorce settlement calculator tested 28 September 2026 and 2 October 2026

https://divvio.co.uk/tools/divorce-settlement-calculator
Screenshot: divvio-landing.png; 2026-10/divvio-calculator.jpg, 2026-10/divvio-buyout.jpg

A single-page calculator that builds a net asset pot from home equity, savings, business assets, pension CETV and debts, then models the split with a slider. Divvio itself is mediation software with a consumer Form E product.

Observed

Figures can be entered and the on-screen result read with no sign-up. The page headline is "Instant Estimate, No Sign-Up".
The on-screen result shows your total and your partner's total at 50/50, 40/60 or 60/40, a "needs-led illustration" and a list of the factors that can move a split from 50/50. It describes itself as "illustrative mechanics, not predictions".
The PDF version of the report is sent by email only, and the single tick box combines the report with "occasional related Divvio guidance".
Pensions are asked as the Cash Equivalent Transfer Value, with a note not to use a fund value.
No case is named. The sharing principle is described as "the statutory starting point in England & Wales" without citing the Act.
The figures can be carried into Divvio's own Form E product, which needs an account ("Start Form E free" goes to a sign-up page). Uploading an existing Form E was not offered on the calculator page.
Account log-in offers an emailed six-digit code, a password or "Continue with Google". No two-factor option was visible on the log-in page.
No chatbot on the calculator page. Mobile layout and speed not tested this round.
2 October 2026: the on-screen report discounts pensions to a cash equivalent "so you can compare like for like", and an optional rehousing budget tests whether a split meets your needs. The FAQ says it cannot tell whether a pension sharing order is better than offsetting, or assess maintenance or mortgage capacity.
A separate free House Buyout Calculator sets out sell and split, you buy them out and they buy you out, and tests a new mortgage at 4.5 times income. Figures are entered again; no monthly repayment figure was seen.

Row notes

Partly Cites the legal basis for its assessment. Lists the factors that can move a split from 50/50 and describes the sharing principle. No statute or case named.
Yes Sets out a simple split of the assets. Your total and partner's total at 50/50, 40/60, 60/40 and a needs-led illustration.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named on the page or in the on-screen report.
Yes No name, address or phone number needed to get the result. On-screen result needs nothing. The PDF needs an email address.
No A chatbot on hand to help with the questions. None on the calculator page.
Partly Works well on a mobile phone. Lighthouse mobile Performance 78 (runs: 78, 56, 78) on the calculator page; Accessibility 90.
No Short steps, saved automatically as you go, Single page; nothing saved without an account.
Not applicable Shows how much is left to complete, Single page.
Partly Plain language, avoiding jargon wherever possible. Flesch Reading Ease 59.2 on the calculator page copy (1,405 words).
Partly Sign in with Google, Apple or Facebook, Account log-in: emailed code, password or Google. No Apple or Facebook.
Partly Fast, accessible and built to web best practice. Mobile 78 / 90 / 100, desktop 100 / 90 / 100. Mobile Performance between 50 and 89.
No Prefill from your Form E. Figures flow from the calculator into Divvio's Form E product, not from an existing Form E into the calculator.
Partly Populate and export your Form E. Calculator figures carry into Divvio's own Form E product, which needs an account. Export from that product not tested.
Partly Export your data in a range of formats: PDF by email only, with the guidance opt-in on the same tick box.
Not applicable Edit or delete your data at any time. Nothing stored for the calculator itself. Account product not tested.
Not tested Optional two-factor authentication, Log-in uses an emailed code or password. No two-factor option visible without an account.
Partly Produces a full written report, not a total or a percentage. On-screen sections plus an emailed PDF; described as illustrative mechanics.
Partly Checks the case falls under the law of England and Wales before it starts. States "for England & Wales"; does not ask.
No Will not produce a result while essential figures are missing. Calculates with blanks treated as £0.
Yes Asks for pensions by their cash equivalent (CEV or CETV) value. Asks for the CETV and says not to use a fund value.
Partly No marketing contact as part of getting the result. On-screen result is free of it. The PDF tick box includes "occasional related Divvio guidance".
No A human legal review can be booked from the result, at a published fixed price. Mediation software; no review offered to the consumer.
Partly Tells you what figures to gather before you start. Field labels and notes only.
Partly Asks about income, needs and children as well as assets. Assets and debts, plus an optional rehousing budget.
Partly Lets you continue when you do not know the other party's figures. Combined pot only; no per-party figures asked.
Partly Names the regulated firm or reviewer behind the legal content. "Built by a barrister-trained founder"; no reviewer named.
Partly Publishes how the tool was built and who checked it. "How the split is estimated" explains the arithmetic; no reviewer.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
No Asks about all eight section 25 factors. Assets and debts, plus an optional rehousing budget.
Partly The free report lists the points a judge would be likely to press. A short "what to double-check" line on screen; a checklist of what to gather next comes in the emailed PDF.
Partly Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. PDF by email that you can forward; sharing inside a mediation practice is a separate paid product.
Not tested Deletes inactive accounts automatically after a warning email, with the retention period stated. Account product not tested.
No Installable as a home-screen app. No manifest.
Partly Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. The calculator compares 50/50, 40/60 and 60/40 splits. A separate free House Buyout Calculator sets out sell, you buy out and they buy out; the figures are entered again.
Partly Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. An optional rehousing budget is tested against your share. The separate House Buyout Calculator tests a new mortgage at 4.5 times income. No monthly repayment check seen.
Partly Compares offsetting pensions against sharing them, on your figures. Discounts pensions to a cash equivalent so the splits compare like for like and flags offsetting; the page says it cannot tell whether sharing is better than offsetting.
No Works out child maintenance with the statutory formula, including shared care. The page says the calculator cannot assess maintenance.
No Looks at spousal maintenance and whether a clean break is realistic in your case. The page says the calculator cannot assess whether maintenance is needed.

Divorce-Online divorce settlement calculator tested 28 September 2026 and 2 October 2026

https://www.divorce-online.co.uk/divorce-settlement-calculator/
Screenshot: divorce-online-landing.png; 2026-10/divorce-online-calculator.jpg

An eleven-question yes/no quiz (length of marriage, children, settlement reached, nuptial agreement, property, savings, business, pension, debts, earning capacity, dependency) that reveals a "customised report" made of pre-written paragraphs.

Observed

No figures are asked for: every question is a choice between two or three options.
The report is a set of pre-written paragraphs, one per answer ("You told us you've been married 1-5 years..."), held hidden in the page and shown once the required questions are answered. No sums or split are produced.
The quiz itself has no name, email or phone field. Three "Your Free Callback" forms on the same page require name, email and phone.
No case or statute is named in the quiz or the hidden report paragraphs that were read.
Nothing is saved; the quiz is a single page with no account.
No chatbot was seen on this page. Divorce-Online offers an AI adviser elsewhere on its site; that was not tested.
2 October 2026: unchanged. The hidden paragraphs explain pension sharing, offsetting and attachment, the CMS, and when a clean break is possible, with no figures.

Row notes

Partly Cites the legal basis for its assessment. Pre-written general guidance paragraphs per answer. No figures.
No Sets out a simple split of the assets. No figures asked, none produced.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named in the quiz or report paragraphs.
Yes No name, address or phone number needed to get the result. Quiz result shows without details. Callback forms on the page ask for name, email and phone.
Not tested A chatbot on hand to help with the questions. None on this page. An AI adviser exists elsewhere on the site; not tested.
No Works well on a mobile phone. Lighthouse mobile Performance 32 (runs: 32, 32, 32) on the calculator page; Accessibility 90.
No Short steps, saved automatically as you go, Single-page quiz; nothing saved.
Not applicable Shows how much is left to complete, Single page.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 45.9 on the calculator page copy (569 words).
Not applicable Sign in with Google, Apple or Facebook, No account for the quiz.
No Fast, accessible and built to web best practice. Mobile 32 / 90 / 61, desktop 71 / 99 / 59. Mobile Performance under 50; Best Practices under 90 on both.
No Export your data in a range of formats: On-screen only.
Not applicable Edit or delete your data at any time. Nothing stored by the quiz.
Not applicable Optional two-factor authentication, No account.
Partly Produces a full written report, not a total or a percentage. Pre-written paragraphs selected by your answers; no figures.
No Checks the case falls under the law of England and Wales before it starts. Not asked.
Partly Will not produce a result while essential figures are missing. Some questions marked required; no figures involved.
No Asks for pensions by their cash equivalent (CEV or CETV) value. Yes/no only.
Yes No marketing contact as part of getting the result. Quiz result needs nothing. Callback forms are separate.
Partly A human legal review can be booked from the result, at a published fixed price. Fixed-fee consent order services and a callback; not a review of the result.
Partly Asks about income, needs and children as well as assets. Yes/no questions on earning capacity and dependency; no figures.
Partly Lets you continue when you do not know the other party's figures. "Not sure" options; no figures.
Yes Names the regulated firm or reviewer behind the legal content. Footer names OLS Solicitors and its SRA number.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Partly Asks about all eight section 25 factors. Marriage length, children, earning capacity and dependency as yes/no questions; nothing on standard of living, health, contributions or conduct.
No The free report lists the points a judge would be likely to press. Pre-written guidance paragraphs only.
No Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. On-screen only.
Not applicable Deletes inactive accounts automatically after a warning email, with the retention period stated. No account; callback form data goes to the firm.
Partly Installable as a home-screen app. A manifest is linked; no install guidance.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. No figures asked, none produced.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. No figures asked, none produced.
No Compares offsetting pensions against sharing them, on your figures. A pre-written paragraph explains sharing, offsetting and attachment; no figures.
No Works out child maintenance with the statutory formula, including shared care. A pre-written paragraph says the CMS works from the paying parent's income; no figure.
Partly Looks at spousal maintenance and whether a clean break is realistic in your case. Pre-written paragraphs chosen by your answers discuss spousal maintenance and when a clean break is possible; no figures.

DivorceCalculatorUK (divorcecalculatoruk.co.uk) tested 28 September 2026 and 2 October 2026

https://divorcecalculatoruk.co.uk/
Screenshot: divorcecalculatoruk-landing.png; 2026-10/dcuk-how-it-works.jpg, 2026-10/dcuk-methodology.jpg, 2026-10/dcuk-pricing.jpg

A nine-step financial modelling wizard (profile, home, other assets, pensions, income, debts, living costs, children, scenarios) with a free preview and a paid "Your Full Divorce Position" report.

Observed

No sign-up to start. The site says calculations run in the browser and "no names or contact details are ever included in any processing".
The free preview shows the total asset pool and "the basic shape of your settlement options" with the detail locked. The full report, four settlement options side by side, cashflow and a PDF, costs £79 for 12 months. A separate £275 "Case Assessment" by an assigned reviewer is offered; the reviewer is not described as a solicitor.
The profile step asks "Married or cohabiting? England & Wales? How long together?".
Pensions are asked as current transfer values. Income, living costs and children feed a cashflow model and a child maintenance estimate.
Scenario modelling and stress tests (mortgage rate, income, house price) are the core of the paid product.
The site states it is "not a legal verdict" and names no case or statute on the pages read. It says it never passes details to solicitors or brokers.
Support is by email, answered "usually within 24 hours". No chatbot.
A session token can be saved to return later. The wizard itself was not walked, so step indicators and required-field behaviour are not tested.
2 October 2026: the £79 report models four routes (sell and split, Party A keeps the home, Party B keeps the home, deferred sale) with monthly cashflow, mortgage pressure checks and stress tests on interest rate, expenses and house price. Lending is benchmarked at 4.5 times income and a 35% mortgage-to-net-income cap, per the methodology page.
A "CMS-style" child maintenance estimate is in the full report. Spousal maintenance is an optional income input, not an assessment. "Pension sharing and pension offsetting scenario assumptions" are listed for the full report.

Row notes

No Cites the legal basis for its assessment. Financial modelling; "not a legal verdict". No legal framework cited on the pages read.
Partly Sets out a simple split of the assets. Free preview shows the pool and the shape of options with detail locked; four options side by side costs £79.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named on the pages read.
Yes No name, address or phone number needed to get the result. No sign-up; no names or contact details processed, per the site.
No A chatbot on hand to help with the questions. Email support only.
Not tested Works well on a mobile phone. Lighthouse could not measure Performance: all three mobile runs ended with NO_NAVSTART. Accessibility 92 was recorded.
Partly Short steps, saved automatically as you go, Nine steps; you can save a session token to return later.
Not tested Shows how much is left to complete, Described as a nine-step wizard; not walked.
Partly Plain language, avoiding jargon wherever possible. Flesch Reading Ease 55.0 on the home page copy (1,911 words).
Not applicable Sign in with Google, Apple or Facebook, No account; session token instead.
Not tested Fast, accessible and built to web best practice. Performance and Best Practices could not be measured (NO_NAVSTART on every run). Accessibility 92 mobile, 88 desktop.
Partly Export your data in a range of formats: PDF included in the £79 report.
Partly Edit or delete your data at any time. Held in the browser; session token optional.
Not applicable Optional two-factor authentication, No account.
Yes Produces a full written report, not a total or a percentage. Three-part written position with a PDF, at £79.
Yes Checks the case falls under the law of England and Wales before it starts. Profile step asks "England & Wales?".
Partly Will not produce a result while essential figures are missing. Advertises "missing-value checks"; not walked.
Yes Asks for pensions by their cash equivalent (CEV or CETV) value. "Current transfer values for all pensions".
No The full result is free, with no payment. Free preview; full position £79; reviewer assessment £275.
Yes No marketing contact as part of getting the result. States it never passes details to solicitors or brokers.
Partly A human legal review can be booked from the result, at a published fixed price. £275 written assessment by an "assigned reviewer", not described as a solicitor.
Yes Tells you what figures to gather before you start. The nine steps and their contents are listed on "How it works".
Yes Asks about income, needs and children as well as assets. Income, living costs and children feed the model.
Not tested Lets you continue when you do not know the other party's figures. Wizard not walked.
No Names the regulated firm or reviewer behind the legal content. "Assigned reviewer" for the £275 service; not named or described as regulated.
Partly Publishes how the tool was built and who checked it. "How it works" explains the model and says the guide is not AI-written; no reviewer.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Partly Asks about all eight section 25 factors. Income, living costs, children and marriage length; nothing on contributions, conduct, health or standard of living.
No The free report lists the points a judge would be likely to press. "What to check next" is part of the £79 report.
Partly Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. PDF in the £79 report, described as useful for sharing with a mediator.
Not tested Deletes inactive accounts automatically after a warning email, with the retention period stated. Browser-held with an optional session token; retention not stated on the pages read.
No Installable as a home-screen app. No manifest.
Partly Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Four routes side by side (sell and split, either party keeps the home, deferred sale) with monthly cashflow, in the £79 report. It includes a deferred sale, which SmartJudge does not model. The free preview shows only the shape.
Partly Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. Mortgage pressure checks, monthly cash position, reserves and stress tests on interest rate, expenses and house price, in the £79 report. It stress-tests income and house price, which SmartJudge does not.
Partly Compares offsetting pensions against sharing them, on your figures. Pension sharing and offsetting scenario assumptions are listed for the £79 report; not seen.
Partly Works out child maintenance with the statutory formula, including shared care. A "CMS-style" child maintenance estimate in the £79 report; shared care not described on the pages read.
No Looks at spousal maintenance and whether a clean break is realistic in your case. Spousal maintenance can be entered as income for the cashflow; no assessment of it or of a clean break was described on the pages read.

MoneyHelper divorce and money calculator tested 28 September 2026 and 2 October 2026

https://www.moneyhelper.org.uk/en/family-and-care/divorce-and-separation/divorce-and-money-calculator
Screenshot: moneyhelper-landing.png; 2026-10/moneyhelper-calculator.jpg

A government-backed guidance page whose "calculator" is a downloadable Excel spreadsheet (XLSX, 80KB).

Observed

The tool is a spreadsheet download, not an online form. There is no on-screen result and no report.
The page states that the visit is anonymous, no personal details are collected, and you do not have to enter a partner's details.
The page lists what you need before you start: property and asset values, mortgage balance, outstanding debts.
No case or statute is named on the page. The spreadsheet itself was not opened this round.
2 October 2026: unchanged. The spreadsheet is a file download and was not opened, so the settlement and maintenance rows are Not tested.

Row notes

No Cites the legal basis for its assessment. Spreadsheet download.
Partly Sets out a simple split of the assets. You enter figures and a split yourself in the spreadsheet.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named on the page.
Yes No name, address or phone number needed to get the result. Anonymous spreadsheet download.
No Works well on a mobile phone. Lighthouse mobile Performance 30 (runs: 29, 30, 30) on the guide page; Accessibility 90.
Not applicable Short steps, saved automatically as you go, You keep the spreadsheet.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 45.0 on the guide page copy (217 words).
No Fast, accessible and built to web best practice. Mobile 30 / 90 / 75, desktop 82 / 94 / 74. Mobile Performance under 50.
Not applicable Export your data in a range of formats: The spreadsheet is the data.
No Checks the case falls under the law of England and Wales before it starts. UK-wide guidance.
Not tested Asks for pensions by their cash equivalent (CEV or CETV) value. Spreadsheet not opened.
No A human legal review can be booked from the result, at a published fixed price. Signposts to advice.
Yes Tells you what figures to gather before you start. Short list on the page.
Not tested Asks about income, needs and children as well as assets. Spreadsheet not opened.
Yes Lets you continue when you do not know the other party's figures. Page says you do not have to enter a partner's details.
Partly Names the regulated firm or reviewer behind the legal content. Money and Pensions Service, a government body; not legal content.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Not tested Asks about all eight section 25 factors. Spreadsheet not opened.
Partly Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. The spreadsheet is a file you can send.
Not applicable Deletes inactive accounts automatically after a warning email, with the retention period stated. Nothing stored.
No Installable as a home-screen app. No manifest.
Not tested Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Spreadsheet not opened (a file download).
Not tested Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. Spreadsheet not opened. MoneyHelper's general mortgage affordability calculator is a separate tool.
Not tested Compares offsetting pensions against sharing them, on your figures. Spreadsheet not opened.
Not tested Works out child maintenance with the statutory formula, including shared care. Spreadsheet not opened.
Not tested Looks at spousal maintenance and whether a clean break is realistic in your case. Spreadsheet not opened.

Weightmans divorce settlement calculator tested 28 September 2026 and 2 October 2026

https://www.weightmans.com/services/family/divorce-settlement-calculator/
Screenshot: weightmans-landing.png; 2026-10/weightmans-calculator.jpg

A twelve-question multiple-choice quiz on a law firm website that reveals "tailored" guidance paragraphs on the same page.

Observed

No figures are asked for. The questions match Divorce-Online's list plus one on overseas assets.
The report output is held hidden on the page ("Thank you for completing our questionnaire...") and is shown after "Show me my tailored report" is pressed. The quiz form has no name, email or phone field.
No sums or split are produced.
The page says the law "provides guidelines, principles and precedents" but names none.
An AI chat box is present on the page.
Nothing is saved; no account.
2 October 2026: unchanged. The hidden paragraphs discuss spousal maintenance and whether a clean break is appropriate according to your answers, with no figures.

Row notes

Partly Cites the legal basis for its assessment. Pre-written general guidance paragraphs per answer. No figures.
No Sets out a simple split of the assets. No figures asked, none produced.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. Refers to "precedents" in general; none named.
Yes No name, address or phone number needed to get the result. Quiz result shows without details.
Partly A chatbot on hand to help with the questions. AI chat box on the page; not tried against the questions.
Not tested Works well on a mobile phone. Lighthouse could not measure Performance: all three mobile runs ended with NO_NAVSTART. Accessibility 100 was recorded.
No Short steps, saved automatically as you go, Single-page quiz; nothing saved.
Not applicable Shows how much is left to complete, Single page.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 51.7 on the calculator page copy (939 words).
Not applicable Sign in with Google, Apple or Facebook, No account.
Partly Fast, accessible and built to web best practice. Desktop 88 / 100 / 100 on the one run that completed (a second completed run scored 90). Mobile could not be measured (NO_NAVSTART on three runs).
No Export your data in a range of formats: On-screen only.
Not applicable Edit or delete your data at any time. Nothing stored by the quiz.
Not applicable Optional two-factor authentication, No account.
Partly Produces a full written report, not a total or a percentage. Pre-written paragraphs selected by your answers; no figures.
No Checks the case falls under the law of England and Wales before it starts. Not asked.
No Asks for pensions by their cash equivalent (CEV or CETV) value. Yes/no only.
Partly A human legal review can be booked from the result, at a published fixed price. Contact the firm.
Partly Asks about income, needs and children as well as assets. Yes/no questions on earning capacity and dependency; no figures.
Partly Lets you continue when you do not know the other party's figures. "Not sure" options; no figures.
Yes Names the regulated firm or reviewer behind the legal content. The firm itself, SRA regulated.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Partly Asks about all eight section 25 factors. Same yes/no set as Divorce-Online plus overseas assets.
No The free report lists the points a judge would be likely to press. Pre-written guidance paragraphs only.
No Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. On-screen only.
Not applicable Deletes inactive accounts automatically after a warning email, with the retention period stated. No account.
Partly Installable as a home-screen app. A manifest is linked and a service worker is registered; no install guidance.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. No figures asked, none produced.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. A paragraph mentions mortgage payments and interim maintenance; no figures.
No Compares offsetting pensions against sharing them, on your figures. A pre-written paragraph on pension sharing orders; no figures.
No Works out child maintenance with the statutory formula, including shared care. No figure.
Partly Looks at spousal maintenance and whether a clean break is realistic in your case. Pre-written paragraphs chosen by your answers discuss spousal maintenance and whether a clean break is appropriate; no figures.

DivorceIQ settlement report tested 28 September 2026 and 2 October 2026

https://divorceiq.co.uk/
Screenshot: divorceiq-landing.png, divorceiq-assessment-landing.png; 2026-10/divorceiq-home.jpg, 2026-10/divorceiq-pricing.jpg

A 35-step guided assessment that builds a paid "Divorce Strategy Report" (from £29) with a low / likely / high settlement corridor, child maintenance and rehousing checks.

Observed

Pricing on the landing page: £29 "Judge-aligned Forecast Report", £50 "automated Form E Pack", £69 bundle. Report delivered by email on purchase.
The assessment is 35 numbered steps with a step list (Welcome, Promise, Situation, Privacy, Your details, Relationship, Children ... Locked preview at step 20). Step 5 is "Your details", before any financial question; its fields could not be read (the step content renders inside a shadow root) so what it asks for is not verified.
Answers are "private and saved as you progress", per the page.
The landing page names White v White and Miller v Miller, says every calculation is "grounded in ... Section 25 case precedents", and offers an "Accuracy Confidence Guarantee": a refund may be available if the settlement range falls outside what is agreed or ordered. This is an accuracy claim of the kind SmartJudge deliberately does not make.
The sample report shows a 30-plus page format: executive summary, asset schedule, housing waterfall with a 3.5x mortgage capacity assumption, CMS estimate, spousal maintenance, pension transfer, ten-year outlook.
States "England & Wales only" and "not legal advice ... does not predict a judge".
No chatbot seen. No solicitor or reviewer named; "court-aligned method" is the only description of who stands behind it.
2 October 2026: the sample report shows a CMS child maintenance figure with the shared-care reduction, a monthly spousal maintenance estimate with a term and a lump-sum (NPV) equivalent, a pension transfer figure and a rehousing check at 3.5 times income. No keep-versus-sell or pension offsetting comparison was seen. All of this is in the paid report.
The landing page shows an ICO registration number and says answers are auto-deleted 90 days after the report is generated.

Row notes

Partly Cites the legal basis for its assessment. Landing page names White v White and Miller v Miller and promises the report explains its assumptions and method. The report sits behind £29 and was not read.
Yes Sets out a simple split of the assets. Low, likely and high settlement figures, per the sample report; paid.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. Two case names on the landing page; no vetted list or citation check described.
Not tested No name, address or phone number needed to get the result. Step 5 of 35 is "Your details" and comes before the finance steps; its fields could not be read. Purchase needs an email for delivery.
No A chatbot on hand to help with the questions. None seen.
Partly Works well on a mobile phone. Lighthouse mobile Performance 82 (runs: 76, 82, 82) on the landing page; Accessibility 90.
Yes Short steps, saved automatically as you go, 35 short steps; "saved as you progress", per the page.
Yes Shows how much is left to complete, "1 / 35" counter and a full step list.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 39.4 on the landing page copy (1,313 words).
Not tested Sign in with Google, Apple or Facebook, Account flow not seen.
Partly Fast, accessible and built to web best practice. Mobile 82 / 90 / 93, desktop 98 / 95 / 93. Mobile Performance between 50 and 89.
Partly Populate and export your Form E. "Automated Form E Pack" for £50; not tested.
Partly Export your data in a range of formats: PDF with the paid report, emailed.
Not tested Edit or delete your data at any time. Account not created.
Not tested Optional two-factor authentication, Account not created.
Yes Produces a full written report, not a total or a percentage. 30-plus page report format shown in the sample; £29.
Partly Names the judgments it relies on, with citations a solicitor can look up. Two case names on the landing page, without citations; the report was not read.
Partly Checks the case falls under the law of England and Wales before it starts. States "England & Wales only"; a "Situation" step exists but was not read.
Yes Asks for pensions by their cash equivalent (CEV or CETV) value. CETV inputs, per the landing page and sample report.
No The full result is free, with no payment. Free assessment; the report is £29, the disclosure pack £50, the bundle £69, and a £195 complex-asset review was listed by 2 October 2026.
Not tested No marketing contact as part of getting the result. Depends on what step 5 asks; not verified.
No A human legal review can be booked from the result, at a published fixed price. "No solicitor pressure"; none offered.
Not tested Tells you what figures to gather before you start. The report promises "document prompts"; whether the flow lists what to gather first was not seen.
Yes Asks about income, needs and children as well as assets. Income, housing costs, spending, children and shared care are steps in the flow.
No Names the regulated firm or reviewer behind the legal content. No person or firm named; "court-aligned method".
Partly Publishes how the tool was built and who checked it. "Transparent methodology" and assumptions promised in the report; no reviewer.
No Withholds the report if any cited case fails verification. Names two cases in its landing copy; no verification step is described.
Partly Asks about all eight section 25 factors. Relationship, children, income, housing costs, pensions, savings, debts and spending are steps; contributions, conduct and standard of living were not seen in the step list.
No The free report lists the points a judge would be likely to press. "Document prompts, solicitor questions, next actions" are in the paid report.
Partly Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. PDF by email with the paid report.
Partly Deletes inactive accounts automatically after a warning email, with the retention period stated. Answers are "auto-deleted 90 days after report generation", per the landing page; no warning email described.
No Installable as a home-screen app. No manifest.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Low, likely and high totals and a sale-based housing check in the sample report; no keep-versus-sell comparison seen.
Partly Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. A rehousing check at 3.5 times income in the paid sample report; no monthly repayment test seen.
Partly Compares offsetting pensions against sharing them, on your figures. A pension transfer (equalisation) figure in the paid sample report; offsetting not seen.
Partly Works out child maintenance with the statutory formula, including shared care. A CMS figure with the shared-care reduction in the paid sample report.
Partly Looks at spousal maintenance and whether a clean break is realistic in your case. A monthly spousal maintenance estimate, a term and a lump-sum equivalent in the paid sample report. It gives a monthly figure, which SmartJudge does not.

Splitifi UK free tools tested 28 September 2026 and 2 October 2026

https://www.mysplitifi.com/uk
Screenshot: splitifi-uk-landing.png, splitifi-pension-landing.png; 2026-10/splitifi-predictor.jpg, 2026-10/splitifi-child-maintenance.jpg, 2026-10/splitifi-pension.jpg

A US-origin "divorce technology platform" with a UK section: free calculators (child maintenance, pension splitting, MIAM, and a listed "Financial Settlement Predictor"), an AI Legal Coach, a Form E builder, and a £299 per month full platform.

Observed

On 28 September the "Financial Settlement Predictor" link on the UK home page returned a 404 page, so the pension splitting estimator was tested instead. On 2 October 2026 the predictor loaded on a second attempt (the first load again showed the 404 page) as a "Property Division Estimator", and the marks now reflect it.
The estimator asks the jurisdiction (England & Wales, Scotland or Northern Ireland), marriage length, children, assets, each party's housing need, ages and earning-capacity bands. It is pre-filled with example figures, shows each party's share in pounds and percent, and lists the eight section 25 factors.
Free tools need no sign-up, per the page and as observed on the pension estimator. Full platform is £299 per month; "no credit card required" to start.
The pension estimator asks for both CETVs, years together, a target split and an order type, and shows the transfer needed with implementation cost ranges. Blanks are treated as defaults.
Claims on the page: "Family Court Compliant", "FMC Approved Tools", "400M+ court records" (from search), testimonials with savings figures. No solicitor or reviewer is named; the page says Splitifi is not a law firm.
Covers England and Wales, Scotland and Northern Ireland with separate jurisdiction pages. The settlement estimator asks which applies; the other free tools do not.
Form E builder is offered as a free tool ("29-section"); not tested. No upload of an existing Form E seen.
The chatbot ("AI Legal Coach") is a platform feature, not present on the free tool page.
Separate free tools on 2 October 2026: a child maintenance calculator using the CMS rate bands and shared-care bands, and the pension estimator with a choice of sharing, attachment or offsetting. Each needs its figures entered separately.

Row notes

Partly Cites the legal basis for its assessment. The settlement estimator lists the eight section 25 factors and four principles beside a percentage result; no case named (re-tested 2 October 2026).
Yes Sets out a simple split of the assets. The settlement estimator shows each party's share in pounds and percent (re-tested 2 October 2026).
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named.
Yes No name, address or phone number needed to get the result. Free tools need no sign-up; observed on the pension estimator.
Partly A chatbot on hand to help with the questions. "AI Legal Coach" is a platform feature; not on the free tool page.
No Works well on a mobile phone. Lighthouse mobile Performance 27 (runs: 27, 27, 27) on the UK home page; Accessibility 95.
Not applicable Short steps, saved automatically as you go, Single-page tool.
Not applicable Shows how much is left to complete, Single page.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 39.1 on the UK home page copy (646 words).
Not tested Sign in with Google, Apple or Facebook, Platform log-in not tested.
No Fast, accessible and built to web best practice. Mobile 27 / 95 / 75, desktop 51 / 95 / 74. Mobile Performance under 50.
No Prefill from your Form E. A Form E builder is offered, not an upload of an existing Form E.
Partly Populate and export your Form E. Free "Form E Builder" (29 sections); not tested.
Not tested Export your data in a range of formats: Not tested.
Not tested Edit or delete your data at any time. Account not created.
Not tested Optional two-factor authentication, Account not created.
No Produces a full written report, not a total or a percentage. Estimate plus a fixed list of section 25 factors.
Yes Checks the case falls under the law of England and Wales before it starts. The settlement estimator asks: England & Wales, Scotland or Northern Ireland (re-tested 2 October 2026).
No Will not produce a result while essential figures are missing. The settlement estimator is pre-filled with example figures and shows a result with nothing entered.
Yes Asks for pensions by their cash equivalent (CEV or CETV) value. Both CETVs asked in the pension estimator.
Yes The full result is free, with no payment. Free tools; full platform £299 per month.
Yes No marketing contact as part of getting the result. Free tools need no sign-up.
No A human legal review can be booked from the result, at a published fixed price. Not a law firm; professional portals for the other side of the table.
Partly Asks about income, needs and children as well as assets. Earning-capacity bands, a housing-need choice and a children yes/no; no income or outgoings figures.
Partly Lets you continue when you do not know the other party's figures. Spouse's CETV can be left blank.
No Names the regulated firm or reviewer behind the legal content. States it is not a law firm; no reviewer named.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Partly Asks about all eight section 25 factors. Marriage length, children, ages, earning capacity and housing need; nothing on standard of living, contributions, conduct or health.
Not tested Deletes inactive accounts automatically after a warning email, with the retention period stated. Account not created.
Partly Installable as a home-screen app. A manifest is linked; no install guidance.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. The settlement estimator gives one split in pounds and percent.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. The estimator asks you to choose a housing need such as "can afford to rehouse"; it does not work out borrowing.
Partly Compares offsetting pensions against sharing them, on your figures. A separate free pension estimator lets you choose sharing, attachment or offsetting and shows the transfer to equalise CETVs, one route at a time.
Partly Works out child maintenance with the statutory formula, including shared care. A separate free child maintenance calculator with the CMS rate bands and shared-care bands; the figures are entered separately from the settlement estimator.
No Looks at spousal maintenance and whether a clean break is realistic in your case. "Clean break if possible" is listed as a principle; no maintenance figure.

Wikivorce divorce calculator tested 28 September 2026 and 2 October 2026

https://divorce.wikivorce.com/divorce-calculator/divorce-calculator.html
Screenshot: wikivorce-landing.png, wikivorce-start-landing.png; 2026-10/wikivorce-method.jpg

A long-standing single-page calculator (copyright 2007 to 2024) in seven sections: marriage length and ages, monthly incomes, children and overnight stays, each party's outgoings, assets by owner (including pension CETV), liabilities.

Observed

No contact fields anywhere in the calculator. Figures are stored in cookies on your own computer so you can return and add more.
The page explains that the law is section 25 of the Matrimonial Causes Act 1973 and links to a "Calculation Methodology" page. No case is named on the calculator pages; the site has a separate "Case Law Summaries" library.
The calculation was not run this round, so the form of the result (a suggested split per the methodology page) is not verified.
Paid services are advertised alongside: negotiation from £299, financial mediation from £399, consent orders from £950, court support from £299.
Uses "Wife" and "Husband" throughout; no civil partnership wording.
No chatbot. No account.
2 October 2026: the methodology page says the calculator works out one overall maintenance figure covering child and spousal maintenance, from need and ability to pay, and cannot assess whether a party can raise a mortgage.

Row notes

Partly Cites the legal basis for its assessment. Page explains section 25 and links to a methodology page; the calculation was not run.
Not tested Sets out a simple split of the assets. Form inspected; calculation not run.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named on the calculator pages.
Yes No name, address or phone number needed to get the result. No contact fields; data kept in your own browser cookies.
Partly Works well on a mobile phone. Lighthouse mobile Performance 67 (runs: 59, 70, 67) on the calculator page; Accessibility 74.
Partly Short steps, saved automatically as you go, One long page in sections; figures kept in cookies on your computer so you can return.
Not applicable Shows how much is left to complete, Sections on one page.
Partly Plain language, avoiding jargon wherever possible. Flesch Reading Ease 51.7 on the calculator page copy (596 words).
Not applicable Sign in with Google, Apple or Facebook, No account.
Partly Fast, accessible and built to web best practice. Mobile 67 / 74 / 75. Desktop runs did not complete (three attempts). Every measured score sits between 50 and 89.
No Populate and export your Form E. Guide on completing Form E only.
No Export your data in a range of formats: On-screen.
Partly Edit or delete your data at any time. Held in cookies on your own computer; clear them to delete.
Not applicable Optional two-factor authentication, No account.
Not tested Produces a full written report, not a total or a percentage. Calculation not run.
No Names the judgments it relies on, with citations a solicitor can look up. Not on the calculator pages.
Partly Checks the case falls under the law of England and Wales before it starts. Says England and Wales in the copy; does not ask.
Yes Asks for pensions by their cash equivalent (CEV or CETV) value. "Pension CETV" is an asset type.
Yes No marketing contact as part of getting the result. Paid services are advertised beside the calculator, but nothing is asked of you.
Partly A human legal review can be booked from the result, at a published fixed price. Fixed-price services from £299 (negotiation, mediation, court support); not a review of the result.
No Tells you what figures to gather before you start. The start page says to use the Help buttons; no list.
Yes Asks about income, needs and children as well as assets. Incomes, outgoings for each party, children and overnight stays.
Partly Names the regulated firm or reviewer behind the legal content. Wikivorce is a consultancy, not a firm; no reviewer named.
Partly Publishes how the tool was built and who checked it. A "Calculation Methodology" page; no reviewer.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Partly Asks about all eight section 25 factors. Marriage length, ages, incomes, outgoings, children and assets; nothing on contributions, conduct or health.
Not tested The free report lists the points a judge would be likely to press. Calculation not run.
No Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. On-screen only; figures live in your cookies.
Not applicable Deletes inactive accounts automatically after a warning email, with the retention period stated. Cookies on your own computer only.
No Installable as a home-screen app. No manifest.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. One suggested split, per the methodology page; it says a Mesher order may be needed where a mortgage cannot be raised, which it cannot assess.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. The methodology page says the calculator cannot assess whether a party can raise a mortgage.
No Compares offsetting pensions against sharing them, on your figures. Pension CETV is an asset in the pot; no offsetting comparison described.
Partly Works out child maintenance with the statutory formula, including shared care. One overall maintenance figure covering child and spousal maintenance, from need and ability to pay, per the methodology page; not the statutory formula. Overnight stays are asked.
Partly Looks at spousal maintenance and whether a clean break is realistic in your case. One overall maintenance figure from need and ability to pay, per the methodology page; clean break not discussed; not run.

ukcalculator.com divorce financial settlement calculator tested 28 September 2026 and 2 October 2026

https://ukcalculator.com/divorce-financial-settlement-calculator.html
Screenshot: ukcalculator-landing.png; 2026-10/ukcalculator-pension-sharing.jpg, 2026-10/ukcalculator-spousal.jpg, 2026-10/ukcalculator-clean-break.jpg, 2026-10/ukcalculator-child-maintenance.jpg

One page on a general calculator site: matrimonial and individual assets (including both pension CETVs and pre-marital assets), children, marriage length, an "outcome approach" selector (equal, needs-based, contributions-based) and both incomes, with a long explanatory guide beneath.

Observed

No sign-up, no contact fields. A "Print Results" button is the only export.
The guide names White v White [2000] and Charman v Charman [2007] and sets out the section 25 factors. The calculator itself is arithmetic on the chosen approach; it was not run this round.
Labelled "UK Calculator Editorial · Calculator verified · Apr 2026"; no named person or firm.
Framed as "UK" throughout; does not ask which jurisdiction applies.
No chatbot, no account, nothing saved.
2 October 2026: separate free calculators on the same site cover pension sharing (with an optional offsetting comparison), spousal maintenance, a Duxbury-style clean break figure, and CMS child maintenance for self-employed payers. Each needs its figures entered again.

Row notes

Partly Cites the legal basis for its assessment. The guide beneath the calculator sets out the section 25 factors; the calculator itself is arithmetic on a chosen approach.
Partly Sets out a simple split of the assets. Offers equal, needs-based and contributions-based approaches; not run this round.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. Two cases named in the guide; no list or check.
Yes No name, address or phone number needed to get the result. No contact fields.
No Works well on a mobile phone. Lighthouse mobile Performance 37 (median of three) on the calculator page; Accessibility 93.
No Short steps, saved automatically as you go, Single page; nothing saved.
Not applicable Shows how much is left to complete, Single page.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 32.8 on the page copy including the guide (2,473 words).
Not applicable Sign in with Google, Apple or Facebook, No account.
No Fast, accessible and built to web best practice. Mobile 37 / 93 / 75, desktop 83 / 93 / 74. Mobile Performance under 50.
Partly Export your data in a range of formats: "Print Results" button only.
Not applicable Edit or delete your data at any time. Nothing stored.
Not applicable Optional two-factor authentication, No account.
No Produces a full written report, not a total or a percentage. Estimate plus a print button.
Partly Names the judgments it relies on, with citations a solicitor can look up. White v White [2000] and Charman v Charman [2007] named in the guide, not in the result.
No Checks the case falls under the law of England and Wales before it starts. Framed as "UK"; does not ask.
Not tested Will not produce a result while essential figures are missing. Not run.
Yes Asks for pensions by their cash equivalent (CEV or CETV) value. Partner 1 and Partner 2 pension (CETV) fields.
Partly Asks about income, needs and children as well as assets. Both incomes and number of children; no needs.
No Names the regulated firm or reviewer behind the legal content. "UK Calculator Editorial"; no person or firm.
Partly Publishes how the tool was built and who checked it. "Calculator verified Apr 2026" by its own editorial; no method page seen.
No Withholds the report if any cited case fails verification. Names two cases in its guide; no verification step is described.
Partly Asks about all eight section 25 factors. Marriage length, children, incomes and pre-marital assets; nothing on needs, health, contributions or conduct.
No The free report lists the points a judge would be likely to press. Estimate plus a print button.
Partly Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. "Print Results" only.
Not applicable Deletes inactive accounts automatically after a warning email, with the retention period stated. Nothing stored.
Partly Installable as a home-screen app. A manifest is linked; no install guidance.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Equal, needs-based or contributions-based approaches; home options such as a Mesher order are described in the guide, not calculated.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. The guide says courts look at mortgage capacity; the calculator does not work it out.
Partly Compares offsetting pensions against sharing them, on your figures. A separate free pension sharing calculator has an optional offsetting comparison against property equity and a warning on defined benefit values; the figures are entered again.
Partly Works out child maintenance with the statutory formula, including shared care. A separate free CMS calculator for self-employed paying parents, with shared-care nights; the figures are entered again.
Partly Looks at spousal maintenance and whether a clean break is realistic in your case. Separate free spousal maintenance and Duxbury-style clean break calculators; the figures are entered again.

Law firm calculators: IFLG, Osbourne Pinner, Winston Solicitors, Wiselaw, Wildings tested 28 September 2026 and 2 October 2026

https://iflg.uk.com/tools/divorce-settlement-calculator
Screenshot: iflg-landing.png, osbournepinner-landing.png, winston-landing.png, wiselaw-landing.png, wildings-landing.png; 2026-10/iflg-spousal.jpg, 2026-10/osbournepinner-calculator.jpg, 2026-10/winston-calculator.jpg, 2026-10/wiselaw-calculator.jpg, 2026-10/wildings-calculator.jpg

Five firm-hosted pages scored as one column. A mark is given where the sites agree; where they differ the note says which does what. Stowe and Weightmans, tested separately above, follow the same pattern.

Observed

IFLG (SRA 560727): five required money fields (net resources, pre-marital assets, gifts, inheritances, post-separation assets) with the arithmetic shown on the page: matrimonial resources, simple equal division, a needs-based claim. Pensions and business assets are deliberately excluded. No contact needed; a "contact us" prompt follows the result.
Osbourne Pinner: four client-side steps (shared details, Party A, Party B, results) with cash, pension (CETV), inheritance, investments and other equity per party. The results section shows total assets per party and a percentage, plus an "advice note" recommending professional advice. A separate name-and-email form with "keep me up to date" sits on the page; the results do not depend on it.
Winston Solicitors (SRA 807074): the same four-step template as Osbourne Pinner, submitted step by step to the server. Step 1 asks marriage length, children and home equity. Later steps and the results were not reached, so most cells are Not tested.
Wiselaw: a solicitor directory, not a firm. Its four-part "asset calculator" (property, savings, pensions with a CEV note, debts) totals assets; the page says it shows "what the total value of those assets might be". Enquiry forms on the page ask for name, email, phone and postcode but are separate from the calculator.
Wildings Solicitors: the page titled "Divorce Settlement Calculator" contains no calculator. It argues that online calculators are misleading and offers a callback for a "bespoke assessment".
None of the five names a case. All five state or imply England and Wales; none asks which jurisdiction applies. No chatbot on any of the five pages.
2 October 2026: all five unchanged. IFLG also has a separate spousal maintenance calculator that shares income after child needs, "a starting point" for the period after a settlement. None of the five works out child maintenance, borrowing or settlement routes.

Row notes

Partly Cites the legal basis for its assessment. IFLG explains the sharing and needs framework beside its arithmetic. Osbourne Pinner and Wiselaw show totals only. Winston not reached. Wildings has no calculator.
Partly Sets out a simple split of the assets. Osbourne Pinner shows each party's share and percentage; IFLG shows an equal division and a needs claim; Wiselaw totals only; Winston not reached; Wildings none.
No Anchored to a vetted summary of leading England and Wales authorities, with a citation guardrail. No case named on any of the five pages.
Yes No name, address or phone number needed to get the result. IFLG, Osbourne Pinner and Wiselaw show results without contact details; their enquiry forms are separate. Winston not reached. Wildings has no calculator.
No A chatbot on hand to help with the questions. None on the five pages.
No Works well on a mobile phone. Lighthouse mobile Performance: IFLG 37, Osbourne Pinner 30, Winston 29, Wiselaw 44, Wildings 24 (runs: 24, 19, 26). All under 50.
No Short steps, saved automatically as you go, Osbourne Pinner and Winston have four steps but nothing is saved; IFLG and Wiselaw are single pages.
Partly Shows how much is left to complete, Step indicators on Osbourne Pinner (4 steps), Winston (4) and Wiselaw (1 of 4); IFLG is one form.
No Plain language, avoiding jargon wherever possible. Flesch Reading Ease 32.7 (IFLG), 44.7 (Osbourne Pinner), 45.9 (Winston), 45.2 (Wiselaw), 39.0 (Wildings).
Not applicable Sign in with Google, Apple or Facebook, No accounts.
No Fast, accessible and built to web best practice. Mobile Performance under 50 on all five. Desktop: IFLG 82 / 90 / 100, Osbourne Pinner 60 / 76 / 78, Winston 73 / 82 / 78, Wildings 48 / 91 / 74; Wiselaw desktop runs did not complete.
No Export your data in a range of formats: On-screen only.
Not applicable Edit or delete your data at any time. Nothing stored by the calculators.
Not applicable Optional two-factor authentication, No accounts.
No Produces a full written report, not a total or a percentage. Totals, percentages or arithmetic on the page; no report.
No Checks the case falls under the law of England and Wales before it starts. All state or imply England and Wales; none asks.
Partly Will not produce a result while essential figures are missing. IFLG marks all five fields required; Osbourne Pinner and Wiselaw not run; Winston not reached.
Partly Asks for pensions by their cash equivalent (CEV or CETV) value. Osbourne Pinner asks "Pensions (CETV)"; Wiselaw mentions the cash equivalent value and allows an estimate; IFLG excludes pensions; Winston not reached.
Yes No marketing contact as part of getting the result. IFLG, Osbourne Pinner and Wiselaw: results without contact; enquiry forms separate. Winston not reached. Wildings offers a callback in place of a calculator.
Partly A human legal review can be booked from the result, at a published fixed price. Contact the firm; no fixed-price review shown on any of the five pages.
Partly Tells you what figures to gather before you start. Osbourne Pinner's intro names what the steps ask for; the others do not.
Partly Asks about income, needs and children as well as assets. IFLG asks for a single reasonable-needs figure; Osbourne Pinner and Winston ask the number of children; Wiselaw assets only.
Yes Names the regulated firm or reviewer behind the legal content. IFLG, Osbourne Pinner, Winston and Wildings are SRA-regulated firms and say so. Wiselaw is a directory.
No Withholds the report if any cited case fails verification. Produces no citations, so there is nothing to verify.
Partly Asks about all eight section 25 factors. IFLG asks a single needs figure; Osbourne Pinner and Winston ask marriage length and children; Wiselaw assets only.
No The free report lists the points a judge would be likely to press. Totals or arithmetic only; Osbourne Pinner adds a generic advice note.
No Share the report and the data behind it with a solicitor, mediator or the other party without re-entering anything. On-screen only on all four working calculators.
Not applicable Deletes inactive accounts automatically after a warning email, with the retention period stated. No accounts.
No Installable as a home-screen app. No manifest on any of the five pages.
No Compares ways the settlement could be arranged, such as keeping or selling the home, with the pounds each person ends up with. Totals, percentages or arithmetic only on the five pages.
No Checks whether each person could borrow enough, and afford the monthly repayments, to keep the home or rehouse. No borrowing or affordability check on the five pages.
No Compares offsetting pensions against sharing them, on your figures. Osbourne Pinner adds CETVs to each party's total; IFLG excludes pensions; no comparison on any of the five.
No Works out child maintenance with the statutory formula, including shared care. IFLG's spousal calculator takes child maintenance needs as an input; none of the five works out a CMS figure.
Partly Looks at spousal maintenance and whether a clean break is realistic in your case. IFLG has a separate spousal maintenance calculator that shares income after child needs; the other four have none.

Different category, not comparable

These came up in the September 2026 reviews but are not consumer asset-split tools, so a row-by-row score would mislead. Descriptions are from public pages only.

Providers in a different category, with what is known and why they are not scored
Provider	Type	What is known	Why not scored
amicable	Paid negotiation and consent order service	Only calculator found is for court fees. Offers a free agreement checker and fixed-price negotiation packages.	Different category. Compare on the "after the report" step, not on this checklist.
SeparateSpace	Subscription guidance platform	Monthly subscription, closed beta in September 2026, Innovate UK backed. No asset-split result seen.	Different category. Revisit when it opens.
Settify	Intake software sold to law firms	Client intake conversation that produces a brief and balance sheet for the firm. Owned by the same group as LEAP. Consumers do not reach it directly.	Not like for like. Belongs in the firm-facing comparison.
LEAP Your Finances	Practice management add-on	Lets a firm's client enter Form E data and generate the form inside LEAP. No outcome assessment.	Not like for like. Belongs in the firm-facing comparison.
General chatbots (ChatGPT, Claude, Gemini)	General-purpose AI	Covered by the "Why not just use ChatGPT?" page: no structured questions, no vetted case list, no citation check.	Optional single column if the contrast is wanted on the same table.

Other differentiators

Stated here rather than scored: each is a fact about SmartJudge with the competitor position noted, and none of them counts towards the table above.

Every change to the legal reasoning is signed off by a solicitor and dated.: SmartJudge: A practising family law solicitor at Paradigm Family Law approves any change to the cases SmartJudge may cite, how each principle is stated and the not-legal-advice wording; each approval is recorded with a date (how-it-was-built page).; Others: No tested tool describes a review or change-control process for its legal content. The law firms stand behind their own pages as firms, but none describes how the calculator itself was checked.
Publishes no accuracy figure and offers no outcome guarantee, by stated policy.: SmartJudge: The how-it-was-built page says an accuracy percentage would look reassuring and mean very little for a discretionary jurisdiction, so none is published; each report shows its working instead.; Others: DivorceIQ advertises an "Accuracy Confidence Guarantee" with a possible refund if the settlement falls outside its range. Splitifi cites "400M+ court records" and "Family Court Compliant". The other tools make no claim either way.
Names the AI provider it uses, and states that your data is never used to train models and is deleted within 30 days.: SmartJudge: Anthropic (Claude) is named on the trust and how-it-was-built pages, with the no-training and 30-day deletion terms; OpenAI is named for the supporting-judgment search with the data it receives listed.; Others: Divvio names Gemini, OpenAI and Claude in its data protection documents. DivorceIQ, Splitifi and the calculators do not say which model, if any, sits behind the result.
Civil partnership dissolution handled with the same questions and wording.: SmartJudge: Every question and help note that mentions marriage also covers civil partnership.; Others: Wikivorce is "Wife" and "Husband" throughout. Several firm calculators say "divorce" only. Stowe and Divorce-Online do mention dissolution, so this is a lead rather than a unique.
Lighthouse Accessibility 100 on mobile and on desktop, with the form audited by axe in CI.: SmartJudge: 100 / 100 on 2026-09-28 (median of three runs), and every form step is checked by jest-axe in the test suite.; Others: Weightmans also scores 100 on both. The rest range from 74 (Wikivorce) to 95 (Splitifi). Kept out of the table because it already counts inside the best-practice row and would double-count if folded into the mobile row.
ICO registration number shown on the trust page.: SmartJudge: Registration ZB810938 is stated where the data handling is explained.; Others: Every data controller must register, so the difference is only in display: the firms state SRA numbers, and DivorceIQ shows an ICO registration reference on its landing page and in its footer. None of the other calculators shows one on the pages read.

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