Build a Financial Scenario Planner for Separation Decisions

1. 1

   Research the real questions with the right professionals

   Certified divorce financial analysts, family law attorneys, and therapists hear the pre-decision money questions daily: can I afford the house, what does support actually come to, how do I even find our accounts. Interview them and a handful of people two years past a separation; build the feature list from those conversations, not from divorce-industry marketing.

2. 2

   Build the two-household model first

   The core screen is current joint finances split into two projected households: rent or mortgage scenarios, insurance changes, childcare, taxes filed separately, and a runway number showing months of viability under each scenario. This is the answer to the midnight question, and no generic budgeting app frames it.

3. 3

   Handle support estimates with extreme care

   Child support follows published state formulas; spousal support varies widely and is often discretionary. Offer ranges from public formulas with loud, honest framing: these are planning estimates, actual outcomes are set by courts and agreements, talk to an attorney. The tool models scenarios; it never predicts or promises outcomes.

4. 4

   Make privacy the first feature

   This user may share a computer and a bank login with their spouse. Discreet product name in billing, no marketing emails by default, explicit no-data-selling policy, and easy full deletion are not compliance details here; they are the reason someone dares to use the product at all.

5. 5

   Add the document preparation checklist

   Attorneys ask every new client for the same stack: statements, tax returns, account inventories, property records. A guided gather-and-store checklist turns panic into a project and makes the eventual attorney meeting cheaper, which is a selling point professionals will repeat.

6. 6

   Price one-time and distribute through quiet channels

   A one-time purchase in the $30 to $100 range fits a moment nobody wants on a recurring statement. Reach users through therapists and counselors, divorce financial analysts, and genuinely useful anonymous content about the financial mechanics of separation, the searches this audience actually makes.

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