Sevaryn

Documentation

Understand how Sevaryn models divorce financial settlements, or integrate our analysis engine into your own application via the REST API.

Quickstart

Enter your financial profile and get settlement scenarios in under 5 minutes.

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Equitable Distribution

How we model asset division across all 50 states, including community property vs. equitable distribution.

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Alimony Modeling

State-specific spousal support formulas with PV analysis and lump-sum buyout equivalents.

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Monte Carlo Simulation

10,000 post-divorce trajectory simulations using BLS income distributions and FHFA housing data.

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Child Support

Income shares model and percentage-of-income model calculations for all 50 states.

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Tax Impact Analysis

QDRO transfers, capital gains on property division, filing status changes, and alimony tax treatment.

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API Endpoints

POST/v1/calculate
POST/v1/simulate
GET/v1/state-rules/:state
POST/v1/report
POST/v1/signup
POST/v1/login
POST/v1/checkout

Authentication

All API requests require an API key passed via the X-API-Key header.

curl https://sevaryn-api.smarttechinvest.com/v1/state-rules/california \
  -H "X-API-Key: sev_your_api_key_here"

Equitable Distribution Model

For equitable distribution states (41 states + DC), we model multiple division ratios from 50/50 through 70/30, factoring court-recognized variables: marriage duration, earning capacity disparity, custodial parent needs, health, and age. For the 9 community property states, we enforce a 50/50 split with commingling adjustments.

The output is a set of Pareto-optimal division scenarios ranked by net present value to each party, accounting for the tax-adjusted value of different asset classes.

Monte Carlo Post-Divorce Trajectory

We run 10,000 simulations modeling each party's financial trajectory over 5-30 years. Variables include:

  • Income growth (BLS occupational earnings by age/education)
  • Investment returns on divided assets (historical asset class distributions)
  • Real estate appreciation (FHFA HPI metro-specific)
  • Inflation impact on alimony streams (CPI-based)
  • Remarriage probability impact on alimony termination
  • Social Security divorced-spouse benefit timing optimization

Alimony/Spousal Support Modeling

We calculate temporary, rehabilitative, and permanent alimony using state-specific formulas based on income disparity, marriage duration, standard of living, and recipient earning capacity. PV discount of alimony streams uses the IRS 7520 rate. We also model lump-sum buyout equivalents with tax implications.

Child Support Calculator

We implement both the income shares model (majority of states) and the percentage of income model for remaining states. Calculations apply state-specific guidelines, deviation factors, high-income cap rules, and model support duration through emancipation.

Tax Impact Analysis

We model tax consequences of asset division: QDRO qualified plan transfers (no immediate tax), non-QDRO retirement splits (10% penalty + income tax), capital gains on real property (exclusion eligibility), alimony tax treatment (post-2018: not deductible/not income), and filing status change impact (MFJ to single/HoH).