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State Property Laws

State Default vs. Prenup Asset Calculator

See how Community Property or Equitable Distribution laws automatically divide your savings, equity, and income.

1. State Regime & Finances

$240,000/yr
$110,000/yr
$160,000
$200,000
$65,000
6 yrs

2. State Default vs. Custom Prenup

Community Property DefaultWithout a written agreement
$274,200 Exposed
Commingled Home Down Payment$80,000
Time-Rule Unvested Equity Claim$85,000
Formula Spousal Support Exposure$109,200
Custom Vespera PrenupCustom rules for your assets & debt
$230,000 Protected
Pre-Marital Home Down Payment$80,000 Protected
Grant-Date Unvested Equity$85,000 Separate
$65,000 in pre-marital student debt stays separate$65,000 Shielded
Compare your state’s default exposure with your custom rules.
Replace State Default Rules

Common questions

What is the difference between Community Property and Equitable Distribution?

In Community Property states (like California, Texas, and Washington), all income, bonuses, and vesting RSUs earned during marriage are automatically split 50/50. In Equitable Distribution states (like New York, Florida, and Massachusetts), a judge divides marital assets based on discretionary fairness factors.

Does state law protect pre-marital savings if we buy a home together?

Only if you never commingle those funds. Once pre-marital savings are wired into a joint account or used for a jointly titled home down payment without a prenup, they frequently lose their separate property protection.

How does Vespera help us override our state’s default marriage laws?

Vespera lets both partners privately choose how they want income, home equity, stock grants, debt, and spousal support to work, then exports a structured Attorney Brief formatted for your state’s statutory rules.

Agree on your prenup before hiring lawyers.

Answer guided prompts privately, see where you match, and hand your attorneys an agreed brief.

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Vespera is a pre-lawyer financial alignment workspace, not a law firm, and does not provide legal advice or draft binding contracts.