Before you sign — or after

Understand every term in your divorce settlement.

A divorce settlement is one of the highest-stakes documents you’ll ever sign. Upload it and Initialed flags the terms that most often come back to bite — property, support, custody, retirement — in plain English, in about two minutes.

First review free No credit card PDF or Word · ~2 min
divorce-settlement-agreement.pdf
Reviewed
HighSpousal support marked non-modifiable
Suggested redline
non-modifiable modifiable on a material change in circumstances
HighHouse awarded to you — both names stay on the mortgage
MediumRetirement split with no QDRO named or deadline
LowParenting plan silent on holidays and relocation

Illustrative results with suggested redlines — your review reflects your actual contract.

5 terms

the ones that most often come back to bite

~2 min

to see which terms work against you

Plain English

no legalese to understand what you’re signing

What Initialed checks in your settlement

The clause that costs you the most is rarely the headline number — it’s a sentence about refinancing the house, whether support can change, or who files the order that moves your retirement money. Here’s what we check.

Asset & debt division

We flag assets assigned without a plan to refinance or retitle, and joint debts left in both names long after the split.

We flag: house “awarded” with names still on the loan · vague “keeps property in their possession”

Support — amount & modifiability

We flag support that can never be changed and figures that depart from the state guideline with no explanation.

We flag: non-modifiable spousal support · off-guideline child support

Parenting plan

We flag plans that nail the weekly schedule but stay silent on holidays, travel, schooling, and relocation — where fights start.

We flag: no holiday rotation · no relocation clause · no tie-breaker

Retirement & QDRO

Splitting a 401(k) or pension usually needs a separate court order. We flag a split with no QDRO, deadline, or tax treatment.

We flag: retirement split with no QDRO or filing deadline

Final waivers

We flag broad releases combined with no financial disclosure — where people give up claims to assets they were never shown.

We flag: full mutual release with no asset disclosure

Walk into any lawyer conversation prepared.

Every flag comes with what to ask for — so you know exactly what to raise before the judgment is entered.

Review your settlement free
Already signed?

You signed. Now you’re not sure what you agreed to.

Your ex isn’t following the agreement, a support figure suddenly feels unfair, or you need to modify custody. Upload the signed settlement and Initialed explains — in plain English — exactly what you agreed to, which terms are final versus modifiable, and whether this is worth taking to a lawyer.

We’re not a law firm and we don’t give legal advice. We’re the fast first step that tells you where you stand — so if you do call a family-law attorney, you arrive knowing what to ask.

See what you agreed to

When it’s worth calling a lawyer

  • Your ex isn’t following the agreement (support, custody, or property)
  • You want to modify support or custody after a change in circumstances
  • You believe the agreement was signed without full financial disclosure
  • You received court papers or an enforcement motion

Initialed helps you recognize these fast and organize the facts — then you decide whether to bring in counsel.

How it works

STEP 1

Upload your contract

Drop in the PDF or Word file — one you’re about to sign, or one you already did. Tell us which side you’re on.

STEP 2

We review it, side-aware

Initialed reads the whole document and checks it against a protection checklist — the same rigorous pass every time.

STEP 3

Get ranked red flags

See the clauses working against you, ranked by impact — with what to ask for, or what to raise with a lawyer.

Frequently asked

I already signed my settlement — can this still help?

Yes. Upload the signed agreement and Initialed explains, in plain English, exactly what you agreed to, which terms are final versus modifiable, and whether it’s worth taking to a family-law attorney.

Can I change a divorce settlement after I sign it?

Property division is usually final once the court enters judgment, while support and custody can often be modified if circumstances change and the agreement allows it. Because finality varies term by term and by state, review the exact language — and for changes, a qualified attorney.

Do I need a lawyer to review my divorce settlement?

For a final settlement, qualified counsel is worth it — it’s one of the most consequential documents you’ll sign. Initialed is the fast first step: it flags the risky terms in minutes so you walk into any attorney conversation knowing what to ask.

Before it’s final — or after you already signed.

Upload your settlement and see exactly where you stand — property, support, custody, retirement — in about two minutes. Your first review is free.

Review your settlement free

This page is general information, not legal advice, and Initialed AI is not a law firm. Family law varies by state, and a settlement is a final, court-entered document. For your divorce, consult a qualified family-law attorney.