Fair Pension Division, Simplified.
Explore clear, fair, PAG2-aligned pension sharing options, in minutes, not months.
Indicative only. No data stored. £250 fixed fee.
Run a Case NowFairSplit is an independent, without prejudice pension division calculator for family law and financial professionals (and clients who wish to run a case directly). It provides an indicative, discussion-ready overview of pension sharing and offsetting options, aligned with the 2024 PAG2 guidance.
A quick, fair way to understand pension division
An indicative tool to model pension division scenarios before seeking formal pension on divorce expert (PODE) advice.
- • Pension Sharing Order (PSO%) for income equalisation: The percentage split required to equalise retirement incomes between the two parties.
- • Offset values: The capital equivalent if offsetting pensions against other assets (e.g. property).
- • Indicative retirement incomes: Projected annual income figures for both parties at retirement age.
Aligned with PAG2 (2024), the national guidance used in England & Wales.
"It helps couples better understand their pension options, reality-test outcomes, and decide when a more detailed PODE report is genuinely necessary."
— Family Mediator
Why People Use FairSplit
- ✓ Fast & affordable: Indicative results in minutes for a fixed £250 fee. No lengthy expert reports needed at this stage.
- ✓ Mediation-ready: Explore indicative fairness together, without advice or bias.
- ✓ Transparent & neutral: Shows how different pension splits affect each person's retirement income.
- ✓ PAG2-aligned: Aligned with PAG2 (2024), the national guidance used in England & Wales.
- ✓ Fully anonymous: No personal data stored. Complete privacy and GDPR compliance.
For Mediators, Family Lawyers & Financial Planners
Mediators & Solicitors
Family law professionals guiding clients through initial pension division discussions.
Financial Planners
IFAs and planners scoping pension implications during divorce planning.
Direct Clients
Individuals exploring fair settlement options before seeking professional advice.
⚠️ Important Disclaimer
FairSplit is not a formal expert report and is not suitable for court evidence. It provides indicative figures only for early-stage, without prejudice discussions.
FairSplit is designed to support early understanding and decision-making, not to replace formal actuarial advice where this is required.
How It Works
Enter details
Party details, pension benefits and CEVs for each scheme.
Pay once (£250)
Secure Stripe checkout, no account or subscription. Payment is taken before results are shown.
View results instantly
PSO% (income equalisation), offset estimate, partial offset option, and indicative retirement incomes.
Save your report
Download a clear, results summary PDF with disclaimers and method notes.
🔒 Completely anonymous. FairSplit stores no personal data.
Why It's Different
FairSplit bridges the gap between the basic ‘add-and-divide’ approach and full actuarial (or PODE) reports. It uses PAG2-aligned pension division calculation methods to model lifetime income equality, the benchmark for fairness in UK divorce cases.
The tool also includes built-in PODE flags to alert you when your case involves complexities such as:
- Public sector defined benefit schemes (e.g., NHS, Teachers, Civil Service)
- Large age gaps between parties (7+ years)
- Crystallised benefits
If PODE flags appear, FairSplit will recommend obtaining a formal actuarial (or PODE) report before proceeding.
Used by family mediators and solicitors
"FairSplit is a very useful and well thought-out tool. I've tested it using scenarios involving both defined benefit and defined contribution schemes and found the outputs clear, transparent and easy to work with. It helps couples better understand their pension options, reality-test outcomes, and decide when a more detailed PODE report is genuinely necessary. I also think it has real value in supporting mediators to talk about pensions with greater confidence. The PAG2 alignment, neutrality and anonymity are particularly reassuring, and I expect to make good use of the system."
"FairSplit is such a helpful tool, particularly when initially discussing pensions with clients and what a pension share or offset could look like. This is difficult to calculate without a PODE report, which often takes time and can be expensive for clients. With this cost-effective and easy-to-use tool, I was able to produce an indication for a client within minutes. It gave them the initial advice needed to negotiate, with the relevant warnings included where a PODE report may be required. I would happily recommend this tool to any family practitioner as something they should have in their wheelhouse of resources."
"FairSplit gives you a quick and easy way of checking a pension sharing / pension offset settlement. I use it in my financial neutral work as a sense check prior to either instructing a full pension on divorce expert (PODE) report or proceeding with the results. For simple calculations this is a brilliant and welcome tool. For more complex cases it gives a useful early indicator of values, and it can assist with direction. I wouldn't hesitate to recommend its use."
"An excellent professional tool, which is easy to explain to clients, supporting early conversations around pension fairness, which is critical in a divorce negotiation and settlement. This tool allows us to work cost-effectively with our clients to provide an overview of options with initial analysis. It helps the clients to then make informed decisions around pensions and the need for a full pension report."
Trust, Transparency & Compliance
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PAG2 (2024): Aligned with the latest Pension Advisory Group guidance widely adopted across UK family law practice.
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Family Procedure Rules 2010 (Part 25): Awareness that formal expert evidence requires court permission; FairSplit is for without prejudice discussions only.
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FCA & GDPR best practices: FairSplit provides no regulated financial advice and stores no personal data. Complete privacy and compliance.
Important: All outputs are based on indicative financial assumptions. For complex cases or court-bound matters, you should obtain professional advice from a qualified specialist actuary or pension on divorce expert (PODE).
FairSplit combines clarity with caution, helping professionals and clients make informed decisions early while knowing when professional PODE advice is essential.
Explore pension division options
FairSplit can help professionals explore both main pension division approaches at an early stage: pension sharing and pension offsetting.
Get in Touch
Have questions about FairSplit? We're here to help.