Less Delay, More Clarity
Why you need a quick pension estimate matters in divorce proceedings
Get Clarity Fast
Receive an estimate within days — ideal when time matters and decisions can’t wait.
Stay Informed
Present a professional, well-structured estimate to support early-stage discussions and build trust with clients or the court.
Keep Things Moving
Help all parties understand what’s fair and reasonable, reducing delays and avoiding unnecessary conflict.
About SwiftSplit
SwiftSplit is dedicated to offering affordable and efficient pension sharing estimates for individuals going through divorce. Our goal is to provide a clear and accessible preliminary report based on the information provided by the client. We understand the importance of timely and reliable estimates in guiding early negotiations and facilitating the divorce process.
How We Calculate Your Split
Information
Calculation
Finished
Sensitivity Analysis
You fill out our short form. Providing all the information you would like included in the report.
Our calculations take into account age, type of pension, relationship duration, life style habits, life expectancy and more.
We run our calculations across hundreds of varying assumptions to highlight how each factor could affect your pension split.
You recieve your polished report in days, not months.
What Goes into Your Split
Pension Cash Equalivent Values (CEVs)
We start with the Cash Equivalent Values (CEVs) provided by each pension scheme. These are calculated by the scheme actuary — an expert with a deep understanding of the specific pension. We use these expert-derived values as a foundation, then apply our in-house adjustments to ensure all CEVs are consistent and comparable across schemes. This creates a more balanced and reliable estimate.
Date of CEVs
Pension values can change over time, so we pay close attention to the date the CEV was calculated. If it’s more than a few months old, we adjust the value using stock market indices, applying a beta factor of 0.9 to reflect how pension values typically move in relation to the market. This allows us to bring older CEVs up to date and project them forward to a consistent comparison point, giving you a more accurate and current estimate.
Expected Retirement Income
We project each pension forward to State Pension age to reflect how its value may grow over time. From there, we calculate the expected annuity income that could be purchased at retirement — providing a consistent basis for comparison between different types of pensions. To keep things realistic, we then discount these future income streams back to today’s terms, showing the results in real 2025 money.
Age and Time Until Retirement
We take into account the ages of both parties accounting specfically for any age difference between them. We also consider how close each party is to being able to draw upon their benefits, as this directly affects how valuable pension benefits may be. Differences in age can have a significant impact on how pensions are valued and divided.
Health & Lifestyle
We include health-related lifestyle factors such as height, weight, smoking history, and alcohol consumption. These influence life expectancy and help us adjust pension income to reflect the likely duration of retirement for each party.
State Pensions
Where available, we include each party’s State Pension Forecast in the calculation. These can form a meaningful part of overall retirement income. Including them ensures the estimate reflects the full picture — not just private or workplace pensions.
Marital Accrual
When selected, we focus only on the portion of pension built up during the marriage — this is known as marital accrual. This approach can provide a fairer estimate by excluding pension benefits earned before the relationship began or after separation
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Our Reports
Explore our range of reports designed to help give the answers you want. From the basics to marital accural, we have you covered.
Premium
120
£
per party
✔ Standard Calculations
✔ 1–2 Working Days
✔ Up to 16 Pensions
✔ State Pensions
✔ 5 Free Repeat Calculations
✔ Offsetting Calculations
✔ Sensitivity Analysis
✔ Marital Apportionment
✔ Custom Retirement Ages
Repeat Calculations
Recieved updated information? we'll recalculate the split free of charge
Marital Apportionment
Only includes the part of each pension built up during the marriage
Sensitivity Analysis
Reports how small changes in retirement age or investment growth could affect the outcome.
Sensitivity Analysis
Reports how small changes in retirement age or investment growth could affect the outcome.
Repeat Calculations
Recieved updated information? we'll recalculate the split free of charge
Offsetting Calulcations
How much to transfer to the other party instead of a pension share
Standard Calculations
Calculates the pension sharing percentage required to give both parties equal retirement incomes.
Standard Calculations
Calculates the pension sharing percentage required to give both parties equal retirement incomes.
Custom Retirement Ages
Includes an extra calculation based on a different retirement age, for more flexibility or comparison.
Offsetting Calculations
How much to transfer to the other party instead of a pension share
Your Pension Sharing Estimate
"When clarity matters most, a fast and focused pension estimate can move things forward — without delay, confusion, or unnecessary cost."
