Is FairSplit a formal pension report?

No. It provides indicative results only.

Is FairSplit suitable for court use?

No. It's without prejudice and not expert evidence.

How accurate is FairSplit?

It uses standard actuarial assumptions consistent with PAG2 (2024).

Who should use FairSplit?

Family law and financial professionals, and clients seeking early, mediation-ready insight.

Fair Pension Division, Simplified.

Explore clear, fair, PAG2-aligned pension sharing options, in minutes, not months.

Indicative only. No data stored. £100 fixed fee.

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FairSplit 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.

Why People Use FairSplit

✓ Fast & affordable: Indicative results in minutes for a fixed £100 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.

How It Works

Enter details

Party details, pension benefits and CEVs for each scheme.

Pay once (£100)

Secure Stripe checkout, no account or subscription.

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.

Trust, Transparency & Compliance

•
PAG2 (2024): Aligned with the latest Pension Advisory Group guidance widely adopted across UK family law practice.
•
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.

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