Organise savings and debts after separation

Record account balances and investment values

Name each bank or investment account, then enter its balance and date. Use a short reference instead of a full account number. Note whether an investment balance includes cash, and attach the statement as a PDF if helpful.

Keep household goods in the household asset inventory. A bank balance needs a dated financial record rather than a quantity, photo or sentimental preference.

For a joint account still in use, choose a balance date. Note later deposits or withdrawals separately so both partners can follow the changes. Equity.me does not connect to your bank or check transactions.

Keep ownership questions separate from balances

An account may be in one name while its treatment remains a question for the settlement. Record the balance and explain what needs checking. Details about where funds came from, including gifts or inheritance, can support that discussion.

The inventory does not decide which funds must be shared. A professional reviewing the dossier can comment on the question without confirming an arrangement for either partner.

Distinguish outstanding debts from costs already paid

For a loan, credit card or other unpaid obligation, enter the outstanding amount as a positive number and select debt. Agreed debts reduce the net balance. Include the creditor and statement date, and identify any disputed responsibility.

Use Costs for fees already paid, such as a mediator’s bill, when you want to record a reimbursement between partners. Do not also list the same paid fee as an outstanding debt. A proposed allocation does not amend the creditor’s agreement.

Check the financial inventory before proposing a split

A mortgage already deducted in the home equity record must not appear as a second debt. Likewise, an investment account’s cash should not be counted separately if it is already included in the account total.

The recorded estimates show what has been entered. The asset division balance uses confirmed proposals and the chosen overall split, so it can differ while financial entries remain unresolved.

The same value does not always mean the same available cash. Investments and pensions may have access limits, selling costs or tax consequences. Record any adjustment you still need to check. Get specialist advice for pensions, businesses or assets that cannot be transferred easily.