These tools are free, for anyone, and nothing you enter is sent to the firm. They apply the rules but cannot weigh the facts of your case. When you want that judgment, a paid session puts Attorney Levine on your specific matter, for one-time guidance or as a first step if you decide to retain.
See how a paid session works →How to use this worksheet. Add each significant asset and debt of the marriage. For each item, enter a description, the current fair market value (or balance for a debt), and characterize it as marital, separate, or mixed. The worksheet totals the marital estate at the bottom. Your work is saved in this browser session only, so print or export it when finished.
Real Estate
Bank & Investment Accounts
Retirement & Pension Accounts
Vehicles
Business Interests
Other Assets (jewelry, collectibles, etc.)
Debts & Liabilities
Marital Estate Summary
Marital Assets
Marital Debts & Net Estate
Have this inventory reviewed by Attorney Levine. A Strategy Session identifies what is marital, values what needs valuing, and maps how it is likely to be divided. Businesses, retirement accounts, equity compensation and premarital assets that grew during the marriage call for experts and tracing, work the firm begins at retention so the marital estate is built before anyone files. How the session works.
Request a Strategy SessionHow Equitable Distribution Works in Pennsylvania
Pennsylvania is an equitable distribution state, not a community property state. The court does not automatically split marital property 50/50. Instead, the court divides the marital estate equitably (that is, fairly) based on the statutory factors at 23 Pa.C.S. §3502(a). Equitable distribution is the financial heart of a Pennsylvania divorce, and most contested matters are won or lost on the asset characterization and tracing work that happens before conciliation.
What's Marital, What's Separate
Pennsylvania law distinguishes between marital property (subject to equitable distribution) and separate property (excluded from the marital estate):
- Marital property includes property acquired by either party during the marriage, regardless of whose name is on the title. Income earned during the marriage, retirement contributions during the marriage, and appreciation of marital property are all marital.
- Separate property includes property owned before the marriage, gifts and inheritances received by one spouse individually, and property excluded by valid prenuptial or postnuptial agreement. Awards or settlements for personal injury are typically separate.
- Mixed property includes assets that have both marital and separate components, such as a premarital home where marital funds paid down the mortgage and added value during the marriage. These require tracing analysis to determine the marital portion.
The § 3502(a) Factors
Once the marital estate is identified, the court divides it using these factors:
- (1) Length of the marriage
- (2) Prior marriages of either party
- (3) Age, health, station, amount and sources of income, vocational skills, employability, estate, liabilities, and needs of each party
- (4) Contribution to the education, training, or increased earning power of the other party
- (5) Opportunity of each party for future acquisitions of capital assets and income
- (6) Sources of income of both parties, including but not limited to medical, retirement, insurance, or other benefits
- (7) Contribution or dissipation of each party in the acquisition, preservation, depreciation, or appreciation of marital property, including a homemaker's contribution
- (8) The value of property set apart to each party
- (9) Standard of living established during the marriage
- (10) Economic circumstances of each party at the time the division is to become effective
- (10.1) Federal, state, and local tax ramifications associated with each asset, which need not be immediate and certain
- (10.2) Expense of sale, transfer, or liquidation associated with a particular asset, which need not be immediate and certain
- (11) Whether the party will be serving as the custodian of any dependent minor children
The court weighs the factors against the specific facts of each marriage and applies no formula. A 30-year marriage where one spouse stayed home raising children may produce a very different division than a 5-year marriage with two career professionals, even with similar asset totals.
Valuation Date vs. Date of Separation
An important nuance: the date of separation generally fixes what counts as marital (acquisition cutoff), but the date of distribution generally fixes what each item is worth (valuation cutoff). An asset that existed at the date of separation but appreciated since then has both characterization and valuation aspects to address.
What This Worksheet Cannot Do
This worksheet helps you inventory and characterize. It does not:
- Tell you what division a court would order under the § 3502(a) factors
- Resolve whether specific property is marital, separate, or mixed (some are obvious; many require legal analysis)
- Trace mixed assets back to their separate and marital components
- Account for tax consequences of dividing or selling assets
- Address dissipation claims (where one spouse depleted marital assets)
For matters with significant assets, business interests, retirement accounts requiring QDROs, or contested characterization, counsel review of your worksheet is the appropriate next step.
If the total above is large, the next question is how it gets valued and divided without a hearing. See Out-of-Court Divorce Settlement.
You have the inventory. The next step is the division.
A Strategy Session reviews the worksheet with you, identifies what is marital and what is not, and maps how the marital estate is likely to be divided and how a settlement would be built. One hour with Attorney Levine.
Request a Strategy SessionA free ten-minute call is also available.
Reviewing the Inventory
Important: Read This
This worksheet provides general information and an organizational framework only. It does not constitute legal advice and does not establish an attorney-client relationship. Property characterization (marital, separate, or mixed) involves legal analysis specific to each asset's history. Valuation, tax consequences, dissipation claims, and the application of the §3502 factors all require counsel review. Before relying on any totals from this worksheet for negotiation, settlement, or filing decisions, consult with a licensed Pennsylvania family law attorney about your specific matter. Data entered on this page is stored only in your browser session and disappears when you close the tab, unless you printed or saved a copy.
This tool is provided "as is" for educational and informational purposes only. The Law Offices of Scott L. Levine, LLC makes no warranties (express, implied, or otherwise) regarding the accuracy, completeness, or applicability of any output to any specific case. Use of this tool does not constitute legal advice and does not create an attorney-client relationship. No user should rely on the output to make legal, financial, or strategic decisions without independent review by a licensed Pennsylvania attorney familiar with the specific facts of the matter.
This tool, including its text, design, and code, is © 2026 Law Offices of Scott L. Levine, LLC. All rights reserved.