Separate Property Tracing. Court-Ready Reports. No Spreadsheets.
Clarity on what was separate, and what became marital.
ForensicCalc traces 401(k), IRA and investment accounts statement by statement, credits each share with its own growth, and produces a report built for court, whichever side retained you. For CDFAs®, forensic accountants and family law attorneys.
Sample case and PDF report for your email, no account. Real cases from $99 per report.
- 4.9 stars, 100+ Google reviews
- Built by a CDFA® and expert witness
- Two-factor sign-in
- Firm-isolated data, full audit trail
| Period | Growth | Separate | Marital | Balance |
|---|---|---|---|---|
| Date of marriage | - | $100,000 | - | $100,000 |
| Year 1 | $7,000 | $107,000 | $6,000 | $113,000 |
| Year 2 | $7,910 | $114,490 | $12,420 | $126,910 |
| Year 3 | $8,884 | $122,504 | $19,289 | $141,794 |
| Years 4 to 9 omitted | ||||
| Year 10 | $17,900 | $196,715 | $82,899 | $279,614 |
| Percent of account | 70.4% | 29.6% | 100.0% | |
For CDFAs and forensic accountants
Run your own traces
Pay per case or subscribe. Every plan includes the full tracing engine, court-ready reports and the audit trail.
For attorneys and divorcing spouses
Need a trace done for a case?
Our CDFA team at Davis Schuler & Associates, LLC prepares separate property traces, expert reports and testimony, for either side.
Run your own numbers
The method can move six figures.
Subtracting the balance at marriage treats all the growth on pre-marital money as marital. A pro-rata trace gives each share its own growth. Enter an account and see how far apart the two answers land. Read the worked example
| Subtraction method | Pro-rata trace | Difference | |
|---|---|---|---|
| Separate property | $100,000 | $196,715 | $96,715 |
| Marital property | $179,614 | $82,899 | ($96,715) |
| Total account | $279,614 | $279,614 | - |
The two methods are $96,715 apart on this account.
Illustration only. Assumes a steady return and contributions at the end of each year. A real trace uses every statement, with the actual contributions, withdrawals, loans, fees and returns.
How it works
- 1
Enter the statements
Balances, contributions, withdrawals, loans and fees, period by period. Each one ties to the statement it came from.
- 2
Trace and allocate
The pre-marital balance is carried forward and every period’s growth is split pro-rata between separate and marital.
- 3
Export a court-ready report
Methodology, assumptions, a period-by-period schedule, numbered exhibits and a full audit trail, in PDF or Word.
Example
A retirement account left undivided after the divorce.
A decree fixes the marital share of a 401(k) at the date of divorce, but the account is never split. It stays in one name for years, with new contributions, loans and withdrawals mixed in.
We rebuild the account month by month from the plan statements, give the marital share its own investment growth, and keep everything added after the divorce on the owner’s side.
Illustrative figures. Not taken from any client’s case.
| At divorce | At valuation | |
|---|---|---|
| Marital share | $140,000 | $212,000 |
| Each spouse’s half | $70,000 | $106,000 |
Total account at valuation: $390,000. The rest is the owner’s separate property, including everything contributed after the divorce.
Built by a practitioner
Joseph A. Davis
EA · MAFF · CDFA® · BFA™ · Managing Partner, Davis Schuler & Associates, LLC
Joe built ForensicCalc for the tracing work he does in his own divorce financial practice, where his reports are relied on by attorneys and courts.
- Certified Divorce Financial Analyst; IDFA member since 2015
- Master Analyst in Financial Forensics (NACVA)
- Enrolled Agent, representing taxpayers before the IRS
- Hearing, deposition and trial testimony as an expert witness
- Speaker, IDFA National Conference (2025) and AFCC Utah Chapter (2025)
Curriculum vitae
Request Joe's CV
Credentials, expert testimony and case engagements. For attorneys, clients and opposing experts.
No newsletter. We may follow up once to see if we can help with a matter.
Built for confidential client data
How we protect your dataFree checklist
Premarital Retirement Account Tracing Checklist
The statements to request, the red flags that break a trace, and the checks to run before you report a number.
For firms and bar associations
Request a 30-minute CLE demo
Period-by-period tracing, marital versus separate allocation and court-ready reporting, structured for CLE credit.
ForensicCalc is an informational tool and does not provide legal, tax, or financial advice.
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