About You
Taking the first step toward clarity can be the hardest part. We know you may be carrying a great deal of uncertainty right now — these few questions simply help us tailor this experience to you.
Gender
Age Group
This helps assess future earning capacity — a factor courts consider.
Contested = disagreement on the divorce itself or terms (custody, assets).
"The first step is always the hardest — but you don't have to take it alone."
We know that arriving here often comes after difficult conversations and a great deal of uncertainty. Every question you answer today brings you closer to the clarity you deserve.
Take your time. There is no rush.
Your Marriage
Every marriage is a unique story of shared years and a life built together. These questions help us understand that story — so we can make sure the years you invested are properly recognised.
Courts recognise that indirect contributions to the family reduce during periods of separation.
We have lived separately for:
Number of children:
Ages (e.g. 5, 12, 16):
Singapore courts recognise time spent raising a family as a meaningful contribution to matrimonial wealth.
If yes:
I stepped back from work for:
My spouse stepped back from work for:
Singapore courts recognise time spent raising a family as a meaningful contribution to matrimonial wealth.
"You've taken the first step — and that takes more courage than most people realise."
Now let's look at the years you've shared together, and the life you built as a family. Every year you invested in this marriage counts — and this stage makes sure that's properly recorded.
Your Shared Assets
We know financial details aren't always equally shared in a marriage. Don't worry if you don't have every figure — your best estimate is enough to get started. These numbers represent the life you built, and every detail moves you closer to clarity.
Your best estimate is enough to get started. Leave any field blank or select "Not Applicable" if it doesn't apply to you.
What percentage did I contribute to these accounts?
What percentage did I contribute to these accounts?
What percentage did I contribute to these accounts?
Leave blank, enter 0, or tick "Not Applicable" if not relevant.
Who contributed to the purchase / payments?
Who funded them?
Who funded them?
Who contributed?
Who contributed?
Who contributed?
Who contributed?
Who contributed?
Include all debts not already captured above (e.g. excluding mortgage and car loans).
Credit CardsTotal amount owed:
Personal Loan(s)Total amount owed:
Any Other Debt (e.g. Loans owed to Family / Friends, overdrafts, etc.)Total amount owed:
"You've given us the story of your family — and that context shapes everything."
Now let's look at the financial foundations you built together, so we can make sure they're properly accounted for.
If you don't have every figure, your best estimate is enough. Think of this as a working draft — it can always be refined.
The Family Home
We understand that your home is far more than a financial asset — it's where your life happened. Take your time here. Understanding the equity in your home is one of the most important steps toward securing your and your family's next chapter.
CPF Principal Amount used toward the homeFind this in your CPF App → Housing Dashboard → Total Net Amount Used.
Accrued CPF interest on housingCPF App → Housing Dashboard → Total Accrued Interest.
You can use PropertyGuru 
or HDB Resale Portal 
for an estimate.
Are there any additional loans secured against the property?
"You've mapped out your shared wealth. Now let's talk about the foundation of your daily life."
For many people, the family home is the most emotionally significant part of this process. It's more than a number — it's where your life happened.
Understanding its equity is one of the most powerful things you can do for your next chapter.
Your Contributions & Wellbeing
The love, time, and energy you poured into your home are just as valuable as any financial contribution — and the law recognises this. This stage gives voice to the invisible work that held your family together.
Solely funding a child's education is treated as a significant indirect financial contribution by the courts.
For how many years?
Role of helper:
Prolonged physical absence reduces a spouse’s indirect non-financial contribution score, as the other party carried a greater share of the home and family responsibilities.
Caregiving for elderly or infirm family members is recognised as an indirect non-financial contribution to the family unit.
Where a court draws an "Adverse Inference" against a spouse who fails to make full disclosure, it may increase the other party's final share of the asset pool.
Family violence includes physical, emotional, or psychological harm by a family member.
"The financial picture is now largely in place. You've done the hardest part."
This final stage is about something the numbers can't fully capture: the time, care, and presence you gave to your family.
The law recognises this contribution. So do we.
Your report is ready.
Everything you've shared has been carefully considered. Your financial contributions, your indirect contributions, and the life you gave to your family — all of it has been taken into account.
All 5 stages complete
We’ll send your results here:
"Everything you've shared has been carefully considered."
Your financial contributions, your indirect contributions, and the life you gave to your family — all of it has been taken into account.
Your results are ready. This is your starting point — and we're here to help you turn it into a clear plan.
Here Is Where You Stand
Your inputs have been assessed across direct financial contributions, indirect contributions, and your marriage context. This is your starting signal — not the final answer.
Steps 3 and 4 are yours to take.
Your assessment is complete. A consultation turns this indicative signal into a verified, documented position — and a strategy built around your specific situation.
A Vestra consultant will reach out to walk you through your results.
Indicative estimate only. Based solely on information provided during this assessment. Not legally binding. Every marriage is unique — please consult a qualified family law professional before making any decisions. Vestra Assets does not provide legal representation.
