Next Chapter: Financial clarity for separation and divorce

How it works

Enter your finances once. We take you all the way to settlement.

Two things make a financial settlement slow and expensive: collating the data and completing the court forms, and then the negotiation itself, where months of letters between solicitors can run into many thousands of pounds. Balance Point tackles both.

STEP 01

Data input

Guided prompts make sure nothing is missed.

Dropdowns cover every category of income, expenditure, property, pension and liability
In testing, the prompts were what stopped people leaving gaps. One user had overlooked their council tax entirely
Our software reads your bank transaction descriptions for auto-categorisation, so you are not sorting months of transactions by hand

STEP 03

Analyse

Software first, human expertise on top.

The software reviews the other side's financials and proposes a questionnaire
Your consultant then reviews it personally, adding what an experienced eye spots that an automated pass would miss

STEP 04

Negotiate & settle

Everything you have entered feeds straight into the settlement engine.

Model different splits and see what each means for both parties
Set your own settlement zone, the minimum and maximum you would realistically agree to
See instantly whether each offer falls inside your range, so you know where you stand before responding

Your zone is private. You will not see the other party's range, and they will not see yours.

STEP 05

See up to the next 15 years

A settlement that looks fair today may not stay that way.

Either or both parties can model how the proposed split plays out across the next 15 years
Projects net wealth and income needs, so you see what you are agreeing to now and the impact it will have later

STEP 06

Conclude

Export your complete and agreed settlement financials, with your full court-ready document set.

Ready for your own drafting if you are representing yourself, or to hand to a solicitor or mediator
We do not draft the settlement agreement or consent order. That is legal drafting and sits outside what we do
Your solicitor can complete it far more cost effectively, because the financial work is already done and agreed

The Balance Point platform

One tool built around the thing that matters most: the settlement.

Everything a financial settlement demands, in the order it matters. The settlement engine is where it all resolves; the rest clears the way to get you there.

The USP Settlement engine

Settlement analysis, scenario modelling & negotiation

This is where the whole process is decided. Take every figure you've gathered and reach the agreement itself. Model different splits, see exactly what each one means for both parties, and work through offers and counter-offers in one clear, easy-to-use tool.

Compare split scenarios side by side, instantly
Track every offer and counter-offer in one place
Both parties negotiate from the same clear numbers

Unique Future planning · AI + human expertise

See if the settlement is fair not just today, but for years to come

A court divides the finances as they stand today. It does not show you what that division means for either of you a decade later, and that is where most settlements are quietly won or lost. Balance Point takes your proposed split and projects it forward across the next 15 years, modelling salary progression, inflation, property values and investment growth to show each party's net wealth and income needs over time. Your consultant then works through the projection with you, testing the assumptions and explaining what the numbers actually mean. Software does the modelling, an experienced financial professional makes sense of it. We stop at 15 years by design. It is the right horizon for long-term financial planning, and beyond it projections become too uncertain to be worth relying on.

Takes a settlement-day snapshot out across the next 15 years
Models salary, inflation, property and investment paths
Reviewed and explained by your consultant, not just generated
A tool we have not seen offered anywhere else

The prep · 01

Data automation

Enter your financials through simple dropdowns and options, and the software collates and structures everything, clearing away the slow, costly groundwork before you ever reach the table.

The prep · 02

Court-form automation

Form E, ES1 and ES2 populate directly from your data, plus a proposed questionnaire on the other side's disclosure. Hours of form-filling, done in minutes.

Built by a UK Chartered Certified Accountant · your own secure, UK GDPR-compliant portal · we offer no advice of any kind

See it in action

Watch how Balance Point works.

A short walkthrough, plus step-by-step tutorials for every part of the process.

The full picture in under five minutes.

Watch the whole process end to end: entering your finances through guided prompts that stop anything being missed, the mapping tool sorting your bank transactions into the right categories for you, and Form E, ES1 and ES2 populating themselves, ready to check, export and file, or hand to your solicitor. Then the part that actually decides the outcome: modelling different splits, setting your settlement zone and working through offers and counter-offers, alongside the questionnaire raised on the other side's disclosure and the 15-year projection showing what a proposed settlement really means for you years from now.

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