QDRO / Divorce Pension Value Calculator

Estimate a pension's present value and the marital portion to be divided in a divorce.

Monthly pension ($)Expected benefit at retirement Years of paymentsHow long it will be collected Discount rate (%)Rate used to value future money, often 4-6 Years married during the jobOverlap of marriage and service Total years of serviceTotal years earning the pension

Total pension present value
Marital (coverture) fraction
Marital share value
Typical 50% split

Educational estimate only, not legal advice. Real QDRO valuations use plan-specific mortality, actuarial factors, and court rules. Consult an attorney or actuary.

How it works

When a pension is split in a divorce, usually only the part earned during the marriage is divided. The coverture fraction — years married while earning the pension divided by total years of service — sets that marital portion. This estimates the pension's present value, applies the coverture fraction to find the marital share, and shows a typical 50/50 split. A QDRO (Qualified Domestic Relations Order) is the legal document that actually divides it.

All retirement calculators

Social Security Taxation → Guide: How SS Is Taxed → Net Worth → 401(k) Growth → Traditional IRA → 72(t) SEPP → FIRE Number → Guide: Tax on 401(k) Withdrawal → Guide: When Should You Retire → Fixed Annuity → Deferred Annuity → Annuity vs CD → Guide: Immediate Annuity Income → Guide: Should You Take a Buyout → Guide: SS Spousal Benefits → Guide: Pension COLA Raises → Guide: How Much to Retire → Guide: How a Lump Sum Is Calculated → Guide: Lump Sum vs Monthly → Guide: How to Calculate Your RMD → Guide: Early Withdrawal Penalty → Pension Lump Sum Tax → Interest Rate Impact on Lump Sum → Early Retirement Reduction → Roth Conversion → Inherited IRA (10-Year Rule) → TSP (Thrift Savings Plan) → Cash Balance Pension → Pension Lump Sum vs Monthly → Pension Buyout / Commuted Value → Pension Survivor Benefit → Pension COLA → Immediate Annuity Payout → Annuity vs Lump Sum → Annuity Present Value → How Long Savings Last → Withdrawal Rate → How Much to Retire → Income Gap → Inflation Impact → Social Security Break-Even → RMD (Required Minimum Distribution) → Social Security Spousal Benefit → Pension vs 401(k) Rollover → Early Withdrawal Penalty → Pension Maximization → 403(b) Retirement Calculator → 457(b) Retirement Calculator → Rule of 55 Calculator → Backdoor Roth IRA Calculator → Social Security Claiming Age Optimizer → Federal Pension (FERS) Calculator → Net Unrealized Appreciation (NUA) →