Financial disclosure: what you must share

A practical list of the documents and figures each spouse should exchange, and the consequences of hiding assets.

Updated 19 August 2026·6 min read
Written by CalmSplit Editorial TeamReviewed by Ramani GillLast reviewed 19 August 2026England & Wales

Full and frank disclosure is the foundation of a settlement that lasts. Both of you need the same picture before you can agree what is fair.

What to exchange

  • 12 months of statements for every bank and savings account.
  • Mortgage statements and a current property valuation.
  • Pension CETVs for every scheme, including old workplace pensions.
  • Payslips, or accounts if self-employed.
  • Details of debts, loans and credit cards.
  • Business interests, shares and investment accounts.

Keep it proportionate

For modest, straightforward finances a schedule of assets with supporting statements is usually enough. A full Form E is normally reserved for court proceedings or complex cases.

This article is general information about the law of England and Wales, not legal advice. For advice on your situation, speak to a solicitor.

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Frequently asked questions

Do I have to disclose an inheritance I have not received yet? ▼

Yes, expectations should be disclosed even if the value is uncertain.

What if my spouse refuses? ▼

The court can order disclosure and draw adverse inferences from a refusal.

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