📊 Post-Divorce Budget Planner
See how your household budget changes on a single income. Some costs halve when you split up — others hit you alone for the first time. Let's map it out.
💙 Knowing your numbers ahead of time lets you negotiate smarter and plan with confidence.
Your Monthly Take-Home Income
$
Budget Breakdown
Adjust combined amounts and expected change
| Category | Combined/mo | After Divorce | Your Share |
|---|---|---|---|
| Rent / Mortgage | $ | $2,000 | |
| Utilities (electric, gas, water) | $ | $300 | |
| Internet & Cable | $ | $120 | |
| Groceries & Food | $ | $400 | |
| Dining Out | $ | $200 | |
| Car Payment / Transport | $ | $300 | |
| Health Insurance | $ | $400 | |
| Auto Insurance | $ | $100 | |
| Clothing & Personal | $ | $100 | |
| Entertainment & Fun | $ | $150 | |
| Subscriptions | $ | $50 | |
| Childcare (if applicable) | $ | $0 | |
| Total | $5,420 | $4,120 |
Monthly Budget Summary
Your Income
$5,000
Your Expenses
$4,120
Monthly Surplus
$880
How Categories Change
🔴 Doubles
Housing, utilities — you now pay 100% alone instead of splitting.
🟢 Halves
Food, entertainment — costs drop because you're only feeding one person.
⚪ Same
Car, phone, insurance — personal costs stay roughly unchanged.
Frequently Asked Questions
Which expenses increase the most?
Housing is the biggest shock. When one person moves out, both spouses effectively need their own housing — often at a higher combined cost than before.
Which expenses go down?
Food, dining, and shared entertainment costs typically halve. Some subscriptions and utilities also reduce slightly.
How can I close the budget gap?
Consider downsizing housing, adding a roommate, renegotiating insurance rates, reviewing subscriptions, or factoring the gap into alimony negotiations.
Should I negotiate alimony based on this?
Absolutely. Knowing your monthly shortfall gives you a concrete number to discuss with your attorney and helps courts understand your financial need.
Sources: NCSL Divorce Property Laws, IRS Filing Status Guide, IRS Publication 504. Last updated March 2026.