Financial Disclosure Wizard
A step-by-step tool for completing the court-required Financial Disclosure Form and, where applicable, calculating the accrual claim.
Which tool do I need?
- Divorce proceedings have been issued or are about to be issued
- A court has required or is likely to require financial disclosure
- A Rule 43 or Rule 58 application for interim relief is being brought
- The parties are entering into mediation and need a clear financial picture
- A settlement agreement is being negotiated and full disclosure is required
- The parties were married out of community of property with the accrual system (i.e. they signed an ANC that includes accrual)
- You need to calculate what each party's estate was worth at the date of marriage (the commencement value) versus today
- You need a CPI-adjusted figure showing the real-terms growth of each estate
- You need to determine which party has a claim against the other, and for how much
- Work through each tab in order using the sidebar on the left. Each section corresponds to a numbered section of the official FDF.
- Auto-save: Your work is saved automatically to this browser every time you make a change. You do not need to click a save button. The save status appears at the top right of the screen.
- Auto-calculation: Totals, summaries and net worth figures calculate automatically. Fields marked auto-calculated cannot be typed into — they update when you enter data elsewhere.
- N/A button: If an entire sub-section does not apply, click "Mark as N/A". The section will be greyed out and clearly marked on the printed document.
- Bank Statement Analyser: Upload your bank statement CSV files in the Bank Statement Analysis tab to automatically pre-fill your monthly expenses in Section 3 (Maintenance Requirements).
- Annexures: There are two ways to attach documents:
- Required Annexures (listed in dark blue boxes at the top of each section) — upload these using the ↑ Upload document button inside the dark blue box, or go to the Annexures tab.
- Field-level attachments (the 📎 paperclip symbols next to individual entry boxes) — use these to attach a supporting document to a specific field, such as a valuation report for a particular property.
- Printing: When you are ready, go to Review & Print in the sidebar to check your form and print. The printed FDF is completely unbranded and matches the official court format.
- Grey italic text — exact wording from the official FDF template. Fixed and cannot be changed.
- Dark blue box — documents required, as listed in the official FDF template. You will need to attach these as annexures.
- Light blue box — helpful tips drawn from legal precedent and plain language guidance to assist you in completing that section.
- Orange / yellow box — important legal warnings and obligations. Read these carefully.
Most people complete this in 60–90 minutes, spread across 2–3 sessions. Take it one section at a time — you don’t have to do it all at once.
Get ready — documents to gather before you start
Tick each item as you gather it — your progress is saved. Gathering these before you begin makes the process significantly faster. You only need what applies to your situation. Items marked required are needed by almost everyone.
0 items ticked
Glossary of Terms
Plain-language definitions of legal and financial terms used throughout this Wizard and the Financial Disclosure Form.
- Applicant / Plaintiff — the party who initiated the divorce proceedings.
- Respondent / Defendant — the other party in the proceedings.
- ANC (Antenuptial Contract) — a legal agreement signed before marriage that governs how assets are divided on divorce. Without an ANC, the default is in community of property.
- Accrual system — a form of ANC where each spouse shares in the growth of the other’s estate during the marriage. On divorce, the spouse whose estate grew less is entitled to claim half the difference in growth from the other spouse.
- ICP (In Community of Property) — both spouses share one joint estate. All assets and debts accumulated before and during the marriage are shared equally.
- OCP (Out of Community of Property) — each spouse retains their own separate estate. May be with or without the accrual system.
- IRP5 — your annual tax certificate issued by your employer, confirming your total earnings and deductions for the tax year. Available from your employer’s payroll department or SARS eFiling.
- RA (Retirement Annuity) — a private retirement savings policy taken out independently of an employer.
- Commissioner of Oaths — a person authorised by law to administer oaths and verify sworn statements. In South Africa this includes most attorneys, magistrates, notaries, many bank branch managers and police officers.
- Rule 43 / Rule 58 — court rules governing urgent interim applications during divorce proceedings. Rule 43 applies in the High Court; Rule 58 applies in the Regional and Magistrates’ Courts. Interim relief (e.g. maintenance pending finalisation) is applied for under these rules.
- HP / Hire Purchase — a finance agreement where you pay for an asset in instalments. The finance house retains ownership until the final payment is made.
- CPI (Consumer Price Index) — a measure of inflation published by Statistics South Africa. Used in the Accrual Calculator to adjust historical values to today’s rand value.
- Contingent liability — an obligation that may arise depending on a future event, for example a guarantee given for someone else’s debt, or pending litigation where you may be ordered to pay costs.
Precedent-Based Rule Book
Practitioner guidance for completing the Financial Disclosure Form. Every entry maps to a primary source — statute, court directive, reported judgment, or the FDF form itself.
- Verified confirmed against a primary source
- Per the form confirmed against the FDF form
- Convention accepted practitioner practice, not a statutory rule
- Open — confirm needs attorney sign-off before relying on it
- Wizard guidance editorial classification rule for this tool
General Completion Principles
In Gauteng, a completed FDF confirmed under oath must be exchanged in opposed divorce actions and in Rule 43 (interim relief) applications.
Practice Directive 2 of 2020, Gauteng Division; now consolidated into the Revised Consolidated Practice Directive 1 of 2024.
You owe the court a full, frank and clear disclosure of all your financial and other relevant circumstances.
FDF form, p.1
Incomplete or inaccurate disclosure may lead to an adverse court order; deliberate untruthfulness can lead to criminal proceedings for perjury and/or fraud.
FDF form, p.1
Complete every field. Where a box does not apply, write “N/A” rather than leaving it blank.
FDF form, p.1
All Section 3 expenditure figures must be monthly. Do not mix weekly, termly or annual amounts.
FDF form, p.15
Support every figure with a document reference (annexure, page, date). Where a requested figure cannot be obtained, record “Not provided” and keep the trail of requests.
Practitioner convention; reinforced by FDF form p.1
Section 1 — General Information
State the matrimonial property regime exactly as it appears on the marriage certificate or antenuptial contract (ANC).
FDF form 1.7
Marriage in community of property is the default regime where no ANC was registered.
Matrimonial Property Act 88 of 1984
For ANC marriages from 1 November 1984, the accrual system applies automatically unless the ANC expressly excludes it.
Matrimonial Property Act 88 of 1984
Under 1.11, list all biological and adopted children of the parties.
FDF form 1.11
Muslim marriages are recognised for the purposes of divorce, asset division and maintenance.
Divorce Amendment Act 1 of 2024
Section 2 — Capital: Assets
For the family home and other properties, attach a valuation obtained within the last six months. The form accepts an estate-agent, municipal or online (Lightstone) valuation.
FDF form 2.1–2.2, p.3. The form does not require a sworn appraisal by a registered valuer.
Equity = current market value minus the outstanding mortgage balance.
FDF form 2.1
Where a property is awarded to one spouse, release the other from joint bond liability through a substitution of debtor.
Deeds Registries Act 47 of 1937, s 57
Disclose all personal bank accounts held at any time in the last 12 months, including closed and overdrawn accounts. Show overdrawn balances as a negative figure.
FDF form 2.3, p.4
For each account, use the balance at the statement date of the latest statement in the disclosure period.
FDF form 2.3; practitioner convention
For life and endowment policies, use the current surrender value — not the sum assured or death benefit.
FDF form 2.5, p.5
Personal belongings worth more than R5,000: use trade value for vehicles and present market value (not replacement cost) for furniture and contents.
FDF form 2.8, p.6
For business interests, attach annual financial statements for the last two financial years and disclose any director’s, members’ or partners’ loan accounts.
FDF form 2.9, p.7
Where a business funds personal lifestyle, payslip-only disclosure is generally insufficient; owner benefits and business-paid personal expenses are considered when assessing true means.
Forensic/means convention — not a statutory rule
Use “pension interest” with the meaning given in the Divorce Act.
Divorce Act 70 of 1979, s 1 / s 7(7)
Two-pot system: for divorce orders from 1 September 2024, the award to the non-member spouse is applied proportionately across the member’s vested, savings and retirement components.
Pension Funds Act 24 of 1956 as amended; National Treasury Two-Pot FAQ (Aug 2024)
The Government Employees Pension Fund (GEPF) has historically applied a service-reduction approach to the member’s pensionable service on divorce — confirm against current GEPF rules.
Government Employees Pension Law (Proclamation 21 of 1996); GEPF divorce-benefit rules. Confirm current mechanism.
Section 2 — Capital: Liabilities
List all debts, including credit cards, store cards and bank loans — even those with a nil or positive balance.
FDF form 2.13, p.9–10
Keep the outstanding balance (a liability, Section 2.13 / Total G) separate from the monthly instalment (an expense, Section 3).
Practitioner convention — not a statutory rule
For credit cards, capture the statement closing balance owed — not the credit limit.
Practitioner convention — not a statutory rule
Section 2 — Income
Net income = gross income less income tax and UIF. Do not deduct pension contributions in this field.
FDF form 2.14, p.10
For monthly maintenance modelling only, a fuller monthly net figure may also reflect PAYE, UIF (capped at R177.12 per month — review annually), pension, the employee portion of medical aid, and group-life premiums.
UIF figure: Act 4 of 2002; remainder practitioner convention. UIF cap changes annually — review like the CPI data.
For self-employment, attach your last tax assessment or, if that is not available, an accountant’s letter confirming your tax liability.
FDF form 2.15, p.11. The form asks for the last assessment or an accountant’s letter — not three years of SARS assessments.
Add back owner benefits and business-paid personal expenses to reflect true income from self-employment.
Forensic convention — not a statutory rule
Section 3 — Maintenance Requirements
Child-specific expenses go in the “Child/ren” column; general household expenses go in the “Total” column.
FDF form 3.1, p.15
A common rule of thumb apportions shared costs (groceries, electricity, rent) as two parts per adult and one part per child. This is a convention, not a statutory formula.
Practitioner convention — not a statutory rule
Items such as fuel, Wi-Fi and data may be split by estimated usage rather than a flat ratio.
Practitioner convention — not a statutory rule
Child-specific transport can be isolated using the Automobile Association (AA) per-kilometre rate multiplied by child-related kilometres (school, extra-murals).
Practitioner convention; AA publishes per-km rates
Direct child expenses — school fees, uniforms, extra-murals — are allocated 100% to the child column.
FDF form 3.1 logic; practitioner convention
Classify digital subscriptions by function: streaming (Netflix, Showmax, Disney+) → M-Net/DSTV/Streaming; cloud storage (iCloud, Google One) → Cell Phone; music & gaming (Spotify, Apple Music, Xbox Game Pass) → Entertainment & Recreation; productivity tools (ChatGPT, Canva) → “Other”.
FDF Wizard editorial guidance, anchored to FDF form Section 3 line items
Section 4 — Other Information
Under 4.2, describe the standard of living: the vehicles driven, the destinations of the last three family holidays, where groceries are bought, and how often you eat out.
FDF form 4.2, p.17
Section 7(3) redistribution: a spouse married out of community of property without accrual may apply for a redistribution order regardless of the marriage date — the Constitutional Court struck down the 1 November 1984 cut-off. It is not automatic: the applicant must prove a direct or indirect contribution to the other spouse’s estate, and the ANC excluding accrual remains a relevant factor the court may weigh.
EB (born S) v ER (born B); KG v Minister of Home Affairs [2023] ZACC 32; 2024 (2) SA 1 (CC); Divorce Act 70 of 1979, s 7(3),(5)
The ZACC 32 ruling extended section 7(3) redistribution but did not extend section 7(7) pension-interest sharing to out-of-community-without-accrual marriages — confirm the current position before advising on pension interests for those marriages.
G.D v Minister of Home Affairs [2025] ZAECQBHC 1; 2025 (5) SA 438 (ECGq); Divorce Act 70 of 1979, s 7(7)
For a 7(3) claim, address the statutory contribution factors: unpaid domestic work, child-rearing at the expense of a career, support of the other spouse’s career, and direct financial contributions to the other’s estate or debt.
Divorce Act 70 of 1979, s 7(3)–(6)
Conduct (4.4) is taken into account only in the most exceptional circumstances — for example, where the behaviour caused the breakdown.
FDF form 4.4, p.18; Divorce Act 70 of 1979, s 9(1)
Under 4.5, raise any other significant circumstances: earning capacity or limits on it, disability, inheritance prospects, retrenchment, retirement, plans to remarry or cohabit, and contingent liabilities.
FDF form 4.5, p.18
Finalisation and Oath
The FDF must be confirmed under oath or affirmation before a Commissioner of Oaths.
FDF form, p.19; Commissioners of Oaths regulations
Supporting documents must accompany the FDF when it is delivered to the other parties (none are filed in court). Index and paginate the annexures to match the FDF pack.
FDF form, p.1; practitioner convention
Gauteng exchange deadline: under the Revised Consolidated Practice Directive 1 of 2024, an FDF completed under oath with supporting documents must be exchanged no later than 10 days after the plea is uploaded. In Rule 43 matters, the FDF must accompany the affidavits / be filed before the hearing.
Revised Consolidated Practice Directive 1 of 2024 (eff. 26 Feb 2024, amended 12 June 2024); confirmed in Kadir v Kadir (40872/2020), Gauteng Division (2025). Re-confirm each term — the Gauteng Division reissues consolidated directives.
Open Items Requiring Attorney Sign-Off
- C23 — GEPF mechanism: The service-reduction description should be checked against current GEPF divorce rules.
- C28 — UIF cap (R177.12): Correct now, but changes annually. Add to annual review list alongside CPI.
- C39 — Pension interests under s 7(7): The redistribution change (s 7(3)) did not extend pension-interest sharing under s 7(7) to out-of-community-without-accrual marriages. Legislative reform may be in progress — confirm at attorney sign-off.
- C45 — Gauteng directive: Verified against Revised Consolidated Practice Directive 1 of 2024, but re-confirm each term as the Gauteng Division reissues consolidated directives periodically.
Prepared 01 June 2026. Practitioner guidance only — obtain attorney sign-off before use in any sworn document.
ANNEXURE – FINANCIAL DISCLOSURE FORM ("FDF1")
FINANCIAL DISCLOSURE FORM
THE PARTIES
The applicant / plaintiff
The respondent / defendant
TO THE JUDGE:
- A SUMMARY OF ASSETS AND LIABILITIES APPEARS ON PAGE 19
- A SUMMARY OF INCOME APPEARS ON PAGE 19
- A SUMMARY OF MONTHLY EXPENDITURE APPEARS ON PAGES 20 TO 23
- Please fill in this form fully and accurately. Where any box is not applicable, write "N/A".
- You have a duty to the court to give a full, frank and clear disclosure of all your financial and other relevant circumstances.
- A failure to give full and accurate disclosure may result in an adverse court order.
If you are found to have been deliberately untruthful, criminal proceedings may be brought against you for perjury and/ or fraud.
- The information given in this form must be confirmed under oath or affirmation. Proceedings for contempt of court may be brought against a person who makes or causes to be made, a false statement in a document verified under oath or affirmation.
- When the form is delivered to other parties to the application or action, it must be accompanied by all supporting documents mentioned in the body of the form, and any others you wish to attach. NO supporting documents must be filed in court.
- If there is not enough room on the form for any particular / piece of information, you may continue on an attached sheet of paper.
If you are in doubt about how to complete any part of this form you should seek legal advice.
- You have a legal duty to give a full, frank and complete disclosure of all your financial circumstances — assets, liabilities, income and expenses.
- Incomplete or inaccurate disclosure is a serious legal risk. A court may draw an adverse inference from gaps or understatements.
- If you are found to have been deliberately untruthful, criminal proceedings may be brought against you for perjury and/or fraud.
- The FDF must be confirmed under oath before a Commissioner of Oaths. A false statement may result in proceedings for contempt of court.
- If in doubt about any section, seek legal advice before completing it.
1. General Information
1.11 Details of any children of the family
N/A| Full names and surname | DD | MM | YYYY | With whom does the child live? | |
|---|---|---|---|---|---|
| 1 | |||||
| 2 | |||||
| 3 | |||||
| 4 | |||||
| 5 | |||||
| 6 |
1.12 Details of any other pending or finalised court cases
N/A1.12 Details of any other pending or finalised court cases between you and your spouse, whether in relation to money, property, children, domestic violence, or anything else.
The case number appears on the front page of any court papers you have received (summons, notice of motion, court order). It is usually formatted as a year and number, e.g. 2025/12345. If you cannot find it, your attorney can provide it.
| Case no | Court | Type of proceedings | |
|---|---|---|---|
| 1 | |||
| 2 | |||
| 3 | |||
| 4 |
2. Financial Details
This section covers everything about your financial position — what you own, what you owe, and what you earn. Work through each sub-section in order. If a section doesn't apply to you, mark it as N/A and move on.
Assets →
Everything you own or have an interest in — property, bank accounts, investments, policies, pension, business interests and personal belongings.
Liabilities →
Everything you owe — credit cards, store cards, bank loans, and hire purchase agreements. Not mortgage bonds (those are captured in Assets).
Income →
All sources of income — employment, self-employment, investments, state benefits, and any other regular income including living annuities.
Summaries →
Auto-calculated summary of your capital and income. Complete Assets, Liabilities and Income first — this section fills in automatically.
2. Financial Details
Capital – Assets
Complete all sub-sections. Where a sub-section does not apply, write "N/A".
2.1 Family Home:
N/AComplete this section in respect of the last family home occupied by you and your spouse, if it remains unsold.
a) A copy of any valuation of the property obtained within the last six months (e.g. Estate agent, municipal or online Lightstone valuation)
b) A recent home loan statement confirming the sum outstanding on each mortgage registered over the property
- A free Lightstone valuation is available at lightstone.co.za — search by street address.
- Equity is auto-calculated: market value minus outstanding bond balance.
- TOTAL (A) is auto-calculated: equity × your percentage share.
- If jointly owned 50/50, enter 50 in the share field. If you are the sole owner, leave the share field as 100.
- The Erf number appears on your municipal rates account or title deed.
TOTAL (A) Amount R:
2.2 OTHER PROPERTIES:
N/ADetails of your interest in any other immovable property, land or buildings, in South Africa or offshore. Complete one page for each property you have an interest in, repeating the details listed below for each property.
a) A copy of any valuation of the property obtained within the last six months (e.g. Estate agent, municipal or online Lightstone valuation)
b) A recent home loan/bond statement confirming the sum outstanding on each mortgage
- Include investment properties, holiday homes, vacant land, and any offshore property.
- Use "+ Add another property" to add each property separately. TOTAL (B) auto-calculates from all properties.
- Equity and your interest auto-calculate for each property — just enter market value, bond balance and your share %.
- If a property is in a trust or company, disclose it here and also in section 2.9 or 2.12.
Property interests breakdown
TOTAL (B) Amount R:
2.3 Bank Accounts
N/ADetails of all personal bank accounts that you hold or have held at any time in the last twelve months and which are or were either in your own name or in which you have or have had any interest, in South Africa or offshore. This applies whether the account is in credit or in debit. For overdrawn accounts, show a minus figure.
For each account listed, bank statements for the past 6 (six) months
- Include all cheque, savings, credit card, transmission and foreign currency accounts.
- Include accounts closed in the last 12 months — show the closing balance.
- The balance to record is the balance on the date you complete this financial disclosure.
- Overdrawn accounts must be shown as a negative number (e.g. -R5 000). TOTAL (C1) auto-calculates.
- Include statements for all credit cards and store cards held — even those with a nil balance.
- For overdrawn accounts or credit cards in debit, record the balance as a negative figure (e.g. -R12 500).
- Credit cards in debit: The outstanding balance appears here as a negative number (showing you owe money). The same debt also appears separately in Section 2.13 Liabilities. This is not double-counting — the balance here shows your net financial position, while Section 2.13 lists the debt as a liability for the summary calculation.
| Name of bank | Type of account (e.g. current) | Account number | Balance at the date of this statement | |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5 | ||||
| 6 |
2.4 Investments
N/ADetails of all investments, including shares, investments (other than already shown above) bonds, unit trusts, other investments, and other quoted securities that you hold or have an interest in, in South Africa or offshore. (Do not include dividend income as this will be dealt with separately later on.)
Latest statement relating to each investment.
- Include JSE-listed shares, unit trusts, ETFs, bonds, and offshore investments.
- Log into your stockbroker or investment platform (Allan Gray, Coronation, Ninety One, EasyEquities, etc.) to download your latest statement.
- For shares, the investment number is your account or CSDP reference number.
| Name | Type of investment | Size of holding/nr of shares | Investment number | Current value | |
|---|---|---|---|---|---|
| 1 | |||||
| 2 | |||||
| 3 | |||||
| 4 | |||||
| 5 | |||||
| 6 |
2.5 Policies
N/ADetails of all life insurance and endowment policies that you hold or have an interest in. Include details of those that do not have a surrender value.
A surrender valuation of each policy that has a surrender value and/or a full policy schedule from your broker.
- Surrender value = the cash amount the insurer would pay you if you cancelled the policy today. Not all policies have one.
- Pure risk / term life cover has no surrender value — still list it and enter "Nil".
- If your minor children are the sole beneficiaries, the surrender value is not an asset of the joint estate — enter "Nil" and note "Minor children beneficiaries" in the beneficiaries column.
- Retirement annuities are disclosed in section 2.10, not here.
- Contact your financial advisor or broker for the current surrender value — must appear on a dated statement.
| Name | Type of policy | Policy number | Current surrender value | Current beneficiaries | |
|---|---|---|---|---|---|
| 1 | |||||
| 2 | |||||
| 3 | |||||
| 4 | |||||
| 5 | |||||
| 6 |
2.6 Loans Recoverable
N/ADetails of all monies that are OWED TO YOU in excess of R2 000-00. Do not include sums owed by way of loan account in your business, but do include loan accounts in Trusts. Documentary evidence required.
- Include personal loans made to family or friends, and loan accounts in trusts of which you are a beneficiary.
- A written acknowledgement of debt or signed loan agreement is the best supporting document.
- Do not include amounts owed to you by your own business — those go in section 2.9.
| Brief description of money owed & by whom | Balance outstanding | |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| 4 |
2.7 Cash
N/ADetails of all cash sums held in excess of R2 000-00, in South Africa or offshore. You must state where it is held and the currency it is held in (e.g. US$ 500 in safe at home).
- Include foreign currency held at home, in a safe, or in a safe deposit box.
- If you hold foreign currency, convert it to Rand for the final column. Record the exchange rate you used in the "Where held" column (e.g. "Home safe — USD converted at R18.50/USD").
- Do not include cash balances already captured in your bank accounts above.
| Where held | Total amount | Currency | Exchange rate to ZAR | Total current value of your interest (ZAR) | |
|---|---|---|---|---|---|
| 1 | |||||
| 2 | |||||
| 3 | |||||
| 4 |
2.8 Personal Belongings
N/ADetails of personal belongings individually worth more than R5 000-00, in South Africa or offshore.
- Vehicles (trade value)
- Collections, pictures and jewellery
- Furniture and house contents (present market value, not replacement costs)
- For vehicles, use the trade value from WeBuyCars.co.za or a TransUnion / Lightstone vehicle valuation.
- For jewellery and art, a recent insurance valuation certificate is acceptable.
- For furniture and household contents, the sum insured on your household contents insurance schedule is a useful starting point — note that this reflects replacement cost, so the present market value will typically be lower.
- List each significant item separately (e.g. "2023 Toyota Fortuner", "Diamond engagement ring", "Lounge suite").
| Brief description of item | Total current value of your interest | |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| 4 | ||
| 5 | ||
| 6 | ||
| 7 |
Now, ADD TOGETHER all the figures for C1 to C6 to give the TOTAL current value of your interest in personal assets.
2.9 Business Interests
N/ADetails of all your business interests, in South Africa or offshore. Complete one page for each business you have an interest in, repeating the details below for each one.
a) Copies of the business accounts (annual financial statements) for the last two financial years.
b) Any documentation, if available at this stage, upon which you have based your estimate of the current value of your interest in this business, for example a letter from an accountant or a formal valuation. It is not essential to obtain a formal valuation at this stage.
- Use "+ Add another business" to capture each business separately. TOTAL (D) auto-calculates from all businesses.
- A CC (Close Corporation) member interest and a (Pty) Ltd shareholding are both disclosed here.
- Your accountant can provide a valuation letter — sufficient for Rule 43 / Rule 58 at this stage.
- Director's loan accounts owed to you by the business are assets — include them in the loan field.
- AFS = Annual Financial Statements — the annual accounts prepared and signed off by your accountant each year.
Business interests breakdown
2.10 Pension Interests
N/AGive details of all your interests, including retirement annuities, pension funds, preservation funds, in South Africa or offshore. Complete a section for each pension interest, and add additional pages if necessary.
a) A recent statement showing the cash equivalent provided by the trustees or managers of each pension arrangement, alternatively, the value as prescribed in terms of the Divorce Act.
b) If a valuation is not available, give the estimated date when it will be available and attach a copy of your letter to the pension fund or administrators from whom the information was sought.
- RA = Retirement Annuity. Pension interest is governed by Section 7(7) of the Divorce Act.
- Contact your employer's HR department for your pension or provident fund value.
- Contact your financial advisor or the fund directly for RA and preservation fund values.
- The value required is the "fund value" or "cash equivalent" — not a projected or maturity value.
- Use "+ Add another pension interest" to add each fund. TOTAL (E) auto-calculates.
Pension interests breakdown
2.11 Other Assets
N/AGive details of any other assets not listed above.
INCLUDE (the following list is not exhaustive):
- Any personal or business assets not yet disclosed
- Share option or incentive schemes (whether or not your shares have vested)
- Business expansion schemes
- Futures
- Commodities
- Any asset not disclosed elsewhere on this form even if held outside of South Africa
You are reminded of your obligations to disclose ALL your financial assets and interest of ANY nature.
- If in doubt whether something qualifies as an asset, include it here and let your attorney advise.
| Type of asset | Value | Total net value of your interest | |
|---|---|---|---|
| 1 | |||
| 2 | |||
| 3 | |||
| 4 | |||
| 5 | |||
| 6 | |||
| 7 | |||
| 8 | |||
| 9 | |||
| 10 |
2.12 Trusts
N/AAre you a founder, trustee or beneficiary of any Trust? If so, please give the name, IT number, and capacity in which you act.
- IT number = the income tax registration number issued to the trust by SARS — found on any SARS correspondence addressed to the trust.
- Founder = created the trust. Trustee = manages it. Beneficiary = benefits from it. You may hold more than one capacity.
- Disclose all trusts regardless of whether you believe trust assets form part of the joint estate.
| Name | IT number | Capacity | |
|---|---|---|---|
| 1 | |||
| 2 | |||
| 3 | |||
| 4 | |||
| 5 | |||
| 6 |
Summary of your assets
- This summary is auto-calculated from your asset totals above. It updates live as you complete each section.
- This panel is for your reference only — it does not appear on the printed FDF.
| Description | Reference | Value |
|---|---|---|
| Current value of your interest in the family home | A | |
| Current value of interest in all other property | B | |
| Current value of your interest in personal assets | C | |
| Current value of your interests in business assets | D | |
| Current value of your pension interests | E | |
| Current value of all your other assets | F | |
| Total value of your assets (Totals A+B+C+D+E+F) auto-calculated | ||
2. Financial Details — Capital: Liabilities
Details of any liabilities you have, in South Africa or offshore.
2.13 Liabilities
N/ADetails of any liabilities you have, in South Africa or offshore.
EXCLUDE liabilities already shown such as:
- Mortgage/home loans
- Overdrafts
INCLUDE:
- Money owed on credit cards and store cards
- Bank loans
- Hire purchase/finance agreements e.g. on vehicles
List all credit and store cards held including those with a nil or positive balance.
- Include all credit cards, store cards and bank loans — even those with a zero or positive balance.
- Hire purchase (HP) agreements on vehicles or furniture must be listed here. The outstanding balance is the total still owed, not the monthly instalment.
- Do not include your home loan or overdraft — these are captured in Section 2.
- Log into your online banking to get current balances for each card or loan.
- Store cards (Edgars, Woolworths, Truworths, etc.) are included even if seldom used.
- Use "+ Add row" if you have more than 11 liabilities.
Latest statements for each credit card, store card, bank loan and hire purchase agreement listed below.
| Liability (e.g. Edgars, Bank etc.) | Type of credit (e.g. store card, credit card) | Total current value of your interest in the liability | |
|---|---|---|---|
| 1 | |||
| 2 | |||
| 3 | |||
| 4 | |||
| 5 | |||
| 6 | |||
| 7 | |||
| 8 | |||
| 9 | |||
| 10 | |||
| 11 |
2. Financial Details — Income
Complete all sub-sections. Where a sub-section does not apply, write "N/A".
2.14 Earned Income from Employment
N/ADetails of earned income from employment. Complete one page for each employment.
a) IRP5 for the last financial year
b) Your last three payslips
- IRP5 = your annual tax certificate issued by your employer, showing total earnings and deductions for the tax year. You can find it on your payslip or from your employer's HR/payroll department.
- UIF = Unemployment Insurance Fund — a small monthly deduction from your salary.
- Net income = gross income minus income tax and UIF only. Do not deduct pension contributions.
- Include bonuses, commissions, overtime and any other occasional payments received in the last 24 months.
- Use "+ Add another employer" if you have more than one employer.
Employment income breakdown
Amount R:
2.15 Income from Self-Employment, Partnership or Other Assets/Investments
N/AYou will have already given details of your business and provided the last two years accounts above. Complete this section giving details of your income from your business. Complete one page for each business.
a) A copy of your last tax assessment or, if that is not available, a letter from your accountant confirming your tax liability
b) If net income from the last financial year and estimated net income for the next 12 months is significantly different, a copy of management accounts for the period since your last account
- Tax assessment = the Notice of Assessment (ITA34) issued by SARS after you submit your annual tax return. You can find this on SARS eFiling.
- Management accounts = interim financial reports prepared during the year, typically monthly or quarterly. Your accountant can provide these.
- Drawings = regular amounts you take out of the business for personal use. Include these even if not formally declared as salary.
- Use "+ Add another business" if you have income from more than one business.
Self-employment income breakdown
TOTAL (I) Amount R:
2.16 Income from Investments (e.g. Dividends, Interest or Rental Income)
N/ADetails of income received from investments (eg dividends, interest or rental income) in the last financial year, in South Africa or offshore, and your estimate of your income for the current financial year. Indicate whether the income was paid gross or net of income tax. You are not required to calculate any tax payable that may arise.
- Gross = before tax deduction. Net = after tax has been deducted at source.
- Include rental income from investment properties, interest on savings accounts, and dividends from shares or unit trusts.
- Your investment platform or bank will show interest earned — check your annual tax certificate (IT3) for the full year figure.
- Use "+ Add row" if you have more than 10 income sources.
| Nature of income and the asset from which it derived | Paid gross or net | Income received in the last financial year | Estimated income for the next 12 months | |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5 | ||||
| 6 | ||||
| 7 | ||||
| 8 | ||||
| 9 | ||||
| 10 |
2.17 Income from State Benefits (including State Pension, Child or Disability Benefit)
N/ADetails of all state benefits that you are currently receiving.
- Include any SASSA grant (child support grant, disability grant, older persons grant, care dependency grant).
- Include any UIF benefit currently being received.
- Frequency options: Monthly, Weekly, Quarterly, Annually.
| Name of benefit | Amount paid | Frequency of payment | Estimated income for the next 12 months | |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5 |
2.18 Any Other Income (including Living Annuities)
N/ADetails of any other income not disclosed above.
INCLUDE:
- Any source including a Pension OR Living Annuity
- From which income has been received during the last 12 months (even if it has now ceased)
- From which income is likely to be received during the next 12 months
- Living Annuity = a retirement income product where you draw a monthly income from your accumulated retirement savings. Include the monthly drawdown amount.
- Include maintenance received from a previous relationship.
- Include any trust income received.
- Include freelance or informal income not captured under self-employment above.
| Nature of income | Paid gross or net | Income received in the last financial year | Estimated income for the next 12 months | |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5 | ||||
| 6 | ||||
| 7 | ||||
| 8 |
Summary of your income
- This summary is auto-calculated from the income totals above. It updates live as you complete each section.
- All figures are annual — as entered in sections 2.14 to 2.18 above.
- This panel is for your reference only — it does not appear on the printed FDF.
| Description | Reference | Annual value (R) |
|---|---|---|
| Net total of income from employment | H | |
| Net total of income from self-employment or partnership | I | |
| Net total of investment income | J | |
| State benefits | K | |
| Net total of all other income | L | |
| Estimated TOTAL income (H + I + J + K + L) auto-calculated | ||
2. Financial Details — Summaries
2.19 Summary of your capital
| Description | Reference of the section on this statement | Value |
|---|---|---|
| Current value of your interest in the family home | A | |
| Current value of interest in all other property | B | |
| Current value of your interest in personal assets | C | |
| Current value of your interests in business assets | D | |
| Current value of your pension interests | E | |
| Current value of all your other assets | F | |
| Total value of your assets (Totals A+B+C+D+E+F) auto-calculated | ||
| Current value of your liabilities | G | |
| Value of your assets LESS the value of your liabilities (Totals A to F minus G) auto-calculated | ||
2.20 Summary of your income
This summary is auto-calculated from the income totals entered on the Income tab (sections 2.14 to 2.18). All figures are annual. To update these figures, return to the Income tab and amend the relevant section.
| Description | Reference of the section on this statement | Value |
|---|---|---|
| Net total of income from employment | H | |
| Net total of income from self-employment or partnership | I | |
| Net total of investment income | J | |
| State benefits | K | |
| Net total of all other income | L |
3. Maintenance Requirements
Maintenance needs for yourself and for any children living with you or provided for by you. All figures should be monthly (not annual, termly or weekly) You must NOT use a combination of these periods. General household expenses should appear in the "total" column whereas expenses specific to you or your children (example school fees) should appear in the appropriate column as well as in the total column.
3.1 Monthly Expenditure
N/A- Method 1 — Manual entry: For each expense row, enter the monthly total in the Total (R) column, then enter your percentage share in the Self % column. Self (R) and Child/ren (R) will auto-calculate. Every figure must be supported by a document, receipt, statement or verifiable source.
- Method 2 — Bank Statement Analyser (recommended): Use the Bank Statement Analyser to upload your last 6 months of bank statements. The tool automatically categorises your transactions and calculates monthly averages. Once done, use the "Apply bank statement totals to Section 3" button inside the Bank Statement Analysis tab to pre-fill the Total column automatically. You must still review every figure and enter the Self % for each row.
- All pre-filled values must be reviewed and verified before submission. Bank statement figures are a starting point only — they reflect what was spent, not necessarily what is claimed. You may override any pre-filled figure.
- Child-specific rows such as School Fees, Crèche, Baby Food and School Uniforms default to 0% Self — meaning 100% is attributed to the children. Change the Self % if this is not correct for your situation.
- The Self % must always be between 0 and 100. Self (R) and Child/ren (R) are always auto-calculated and cannot be edited directly.
Completing Section 3 is one of the most time-consuming parts of the FDF. To make it faster, more accurate and easier to defend in court, this Wizard includes the Bank Statement Analyser (see the “Bank Statement Analysis” tab in the sidebar).
What it does:
- Reads your bank statements (CSV format) and automatically identifies and categorises each transaction.
- Calculates your average monthly spend in each expense category over a 6-month period.
- Pre-fills the Total (R) column in this table with those averages at the click of a button.
Why this matters: Court-ready maintenance figures must be based on actual, verifiable spending — not estimates. Bank statement averages give you a defensible, evidence-based starting point for every line item.
Supported banks: FNB, Standard Bank, Absa, Investec, Discovery Bank (CSV format). Nedbank and Capitec statements must be converted to CSV first using a third-party tool — a link is provided in the Bank Statement Analysis tab.
| Expenditure | Self (R) | Self % | Child/ren (R) | Total p.m. (R) |
|---|---|---|---|---|
| Lodging (bond repayment, levy, rental, board) | ||||
| Food, Groceries & Cleaning Materials | ||||
| Toiletries | ||||
| Baby Food | ||||
| House Expenditure: | ||||
| Rates | ||||
| Water | ||||
| Electricity / Gas / Paraffin | ||||
| Security Alarm System | ||||
| Insurance (Householders) | ||||
| Insurance (House Owners) | ||||
| Laundry / Dry Cleaning | ||||
| Lunches | ||||
| Telephone and ADSL/Fibre | ||||
| Cell Phone | ||||
| Domestic Worker | ||||
| Gardener | ||||
| Plants | ||||
| Fresh Flowers | ||||
| Swimming Pool and Chemicals & Maintenance | ||||
| Clothing: | ||||
| Clothing and Shoes | ||||
| School Uniforms | ||||
| Sporting Clothing | ||||
| Personal Care: | ||||
| Hair Care (cuts, colours and treatment) | ||||
| Cosmetics and Make-up | ||||
| Transport: Car: | ||||
| Instalments | ||||
| Maintenance (services, tyres, Brake pads, etc.) | ||||
| Fuel | ||||
| Licence | ||||
| Insurance | ||||
| Taxi | ||||
| Parking | ||||
| Other | ||||
| Educational Expenses: | ||||
| School Fees | ||||
| After School Fees | ||||
| Au Pair / Tutor | ||||
| Crèche / Day Care | ||||
| Books | ||||
| Stationery | ||||
| Outings | ||||
| Sports | ||||
| Extra murals | ||||
| Other Educational Expenditure | ||||
| Medical Expenditure: | ||||
| Medical Aid premium | ||||
| Doctor / Dentist / etc. (excess) | ||||
| Medication (excess) | ||||
| Hospital (excess) | ||||
| Other Medical Expenditure | ||||
| Insurance: | ||||
| Life | ||||
| Retirement Annuity | ||||
| Other Policies | ||||
| Repair & Replacement of items: | ||||
| Household Appliances | ||||
| House Maintenance (plumber, handyman, electrician, painter) | ||||
| Kitchenware | ||||
| Linen, Towels, etc. | ||||
| Other items | ||||
| M-Net / DSTV / Streaming services | ||||
| TV Licence | ||||
| Entertainment & Recreation | ||||
| Pocket Money / Allowances | ||||
| Holidays | ||||
| Personal Loans | ||||
| Membership Fees | ||||
| Religious Contributions | ||||
| Charities | ||||
| Gifts | ||||
| Reading Material: | ||||
| Books | ||||
| Newspapers | ||||
| Periodicals / Magazines | ||||
| Instalments for Credit / HP Agreements (Furniture and Appliances) | ||||
| Pets: | ||||
| Food | ||||
| Vet | ||||
| Other (not specified – include specific details of expense) | ||||
| TOTAL EXPENDITURE p.m. | ||||
Bank Statement Analysis
Wizard tool only — does not appear on the printed FDF.
Select bank & upload CSV statement
Step 1: Click your bank below. Step 2: Drag & drop your CSV file onto the upload box, or click Choose CSV file. You can upload multiple statements — one per account or month.
Uploaded statements
▲ Hide| Bank | Filename | Date Range | Transactions | Account Type | Action |
|---|---|---|---|---|---|
| No statements uploaded yet. | |||||
Categorise Transaction
4. Other Information
4.1 Details of any significant changes in your assets or income.
At both section 4.1.1 and 4.1.2, INCLUDE:
• ALL assets held both within and outside South Africa
• The disposal of any asset
4.1.1 Significant changes in assets or income during the LAST 12 months.
- Include any assets sold, transferred, donated or disposed of in the last 12 months.
- Include any significant increase or decrease in income — for example, a job change, bonus, retrenchment or salary increase.
- Include any large lump sum received or spent — for example, an inheritance, insurance payout or major purchase.
- Include assets held outside South Africa.
- The default wording below can be deleted and overwritten with your own response. If you are unsure how to respond, consult your attorney for their preferred wording.
4.1.2 Significant changes in assets or income likely to occur during the NEXT 12 months.
- Include any anticipated retrenchment, retirement, or change in employment.
- Include any expected inheritance, settlement payment or asset disposal.
- Include any planned major purchase or expense.
- If nothing is anticipated, state "None anticipated at this stage."
- The default wording below can be deleted and overwritten with your own response. If you are unsure how to respond, consult your attorney for their preferred wording.
4.2 Brief details of the standard of living enjoyed by you and your spouse during the marriage.
Include details of the types of vehicles you both drive, if any, the destinations of your last three family holidays, how often you eat out at restaurants, which shops you buy your groceries at, etc.
- Be specific — name vehicle makes and models, holiday destinations, restaurants and shops frequented.
- Include any domestic staff employed (housekeeper, gardener, au pair).
- Include private school education, gym memberships, country club memberships.
- The purpose of this section is to establish the standard of living the family was accustomed to, which informs maintenance calculations.
- The default wording below can be deleted and overwritten with your own response. If you are unsure how to respond, consult your attorney for their preferred wording.
4.3 Are there any particular contributions to the family property and assets or outgoings, or to family life, or the welfare of the family that have been made by you, your partner or anyone else that you think should be taken into account?
If there are any such items, briefly describe the contribution and state the amount, when it was made and by whom.
INCLUDE:
4.3.1 Contributions already made
4.3.2 Contributions that will be made in the foreseeable future
- Include financial contributions — for example, a parent who contributed to the deposit on the family home, or a loan from a family member.
- Include non-financial contributions — for example, a spouse who left employment to care for children or an elderly parent.
- Include any contribution by a third party that may affect the division of assets.
- If no such contributions exist, state "None."
- The default wording below can be deleted and overwritten with your own response. If you are unsure how to respond, consult your attorney for their preferred wording.
4.4 Bad behaviour or conduct by the other party will only be taken into account in the most exceptional circumstances. If you feel it should be taken into account in your case, identify the nature of the behaviour or conduct below.
- South African courts very rarely take conduct into account when dividing assets or awarding maintenance. The threshold is exceptionally high.
- The default position is to reserve your right to raise conduct at a later stage, which is what the pre-filled text below reflects.
- Only amend this text on the specific advice of your attorney.
4.5 Give details of any other circumstances that you consider could significantly affect this matter.
INCLUDE (the following list is not exhaustive):
4.5.1 Earning capacity, or limits thereon
4.5.2 Disability
4.5.3 Inheritance prospects
4.5.4 Retrenchment
4.5.5 Retirement
4.5.6 Any plans to marry, form a civil union or live with a new life partner
4.5.7 Any contingent liabilities
- A contingent liability is an obligation that may arise depending on a future event — for example, a guarantee given for someone else's debt, or pending litigation where you may be ordered to pay costs.
- If you are approaching retirement, state your expected retirement date and the impact on your income.
- If you have a disability or chronic illness affecting your earning capacity, describe it briefly.
- If you have a reasonable prospect of inheriting assets in the near future, disclose this.
- If nothing applies, state "Nothing further to disclose."
- The default wording below can be deleted and overwritten with your own response. If you are unsure how to respond, consult your attorney for their preferred wording.
Oath / Affirmation
- Review your completed FDF in the Final Document tab (in the sidebar). Check every section for completeness and accuracy.
- Go to the Annexures tab and confirm that all required supporting documents have been uploaded and assigned an Annexure letter.
- Print the document using the print function in the Final Document tab (in the sidebar). It will include this Oath / Affirmation section.
- Sign the printed document in the presence of a Commissioner of Oaths. Do not sign before you are in front of the Commissioner.
- Attach all Annexures to the signed FDF before delivering it to the other party.
ⓘ The oath text below cannot be completed or edited in this Wizard. It must be completed in handwriting in the presence of the Commissioner of Oaths.
Before this document can be used in court, it must be signed under oath or affirmation before a Commissioner of Oaths.
What is a Commissioner of Oaths? A person authorised by law to administer oaths and witness sworn statements. In South Africa this includes most attorneys, notaries, magistrates, and many bank branch managers and police officers.
Where to get it commissioned: Your attorney's office, your nearest magistrate's court, most bank branches, or a notary public.
Supporting documents: When this form is delivered to the other party, it must be accompanied by all supporting documents (annexures) listed throughout the form. No supporting documents are to be filed in court.
⚠ YOUR LEGAL OBLIGATION
You are personally responsible for ensuring that every statement in this form is true, complete and correct. A false statement made under oath may result in criminal proceedings for perjury and/or fraud, and may lead to an adverse court order being made against you.
OATH/AFFIRMATION:
I, hereby declare under oath/hereby truly affirm* that to the best of my knowledge and belief the aforegoing statements are true, complete and correct.
SIGNED
⚠ The fields below are completed in front of a Commissioner of Oaths at the time of signing.
I, certify that before administering the oath/affirmation*, I asked the deponent the following questions and wrote down his/her answers in his/her presence:
- Do you know and understand the contents of the above declaration? Answer: _______________
- Do you have any objection to taking the prescribed oath? Answer: _______________
- Do you consider the prescribed oath to be binding on your conscience? Answer: _______________
I, certify that the deponent has acknowledged that s/he knows and understands the contents of this declaration, which was sworn to/affirmed* before me, and the deponent's signature was placed thereon in my presence.
COMMISSIONER OF OATHS
FULL NAME
DESIGNATION (RANK) AND AREA FOR WHICH APPOINTED ADDRESS:
DATE:
| Name and address of Attorney for Plaintiff, if applicable: | |
| Name and address of attorney for Defendant, if Applicable: | |
| Received a copy hereof on the following date: |
Annexures
Upload all supporting documents required by the FDF. Each document is assigned an Annexure number (Annexure 1, Annexure 2…). You can drag rows to reorder — numbers update throughout the form automatically.
Uploaded documents
No documents uploaded yet. Upload supporting documents using the ↑ Upload document buttons in each section of the form.
Final Document
Calculating completion…
▼ Section Completeness
| Section | Status | Detail | |
|---|---|---|---|
| Loading… | |||
Documents & Print
- You are signing a sworn legal document. Everything in this form must be true, complete and correct to the best of your knowledge.
- If you are found to have been deliberately untruthful, criminal proceedings may be brought against you for perjury and/or fraud.
- Review every section before printing. If anything is incorrect, go back and amend it now.
Checking annexures…
Milestones & Audit Log
Mark the current state with a label — e.g. "After client review", "Final draft". Milestones are timestamped and recorded permanently in the audit log.
Download a record of every change made to this form — who edited what, when, and which sections were modified. Useful for professional record-keeping or if a compliance trail is required.
Accrual Claim Calculator
Wizard tool — does not appear on the printed FDF but can be downloaded and/or printed. This calculator determines the accrual claim when the parties are married out of community of property with the accrual system.
Starting Values
Enter the commencement values from each party's Antenuptial Contract (ANC). The date of marriage is pulled from Section 1 if already entered. The valuation date defaults to today — change it if needed (e.g. date of summons).
Party 1 — (auto-populated from completed FDF)
Party 2 — (values to be entered manually)
Assets
Party 1 values are pulled automatically from the FDF you have already completed. Party 2 values must be entered manually. Click ▸ to expand line item detail.
| Description | Party 1 — Party 1 | Party 2 — Party 2 | |
|---|---|---|---|
| FDF A — Interest in family home | |||
| FDF B — Interest in other property | |||
| ▾ | FDF C — Personal assets | ||
| C1 — Bank Accounts | |||
| C2 — Investments | |||
| C3 — Policies | |||
| C4 — Loans Recoverable | |||
| C5 — Cash | |||
| C6 — Personal Belongings | |||
| FDF D — Business assets | |||
| FDF E — Pension interests | |||
| FDF F — Other assets | |||
| TOTAL ASSETS (A + B + C + D + E + F) |
Liabilities
| Description | Party 1 — Party 1 | Party 2 — Party 2 | |
|---|---|---|---|
| ▸ | FDF G — Liabilities | ||
| TOTAL LIABILITIES |
Accrual Calculation Result
| Party 1 — Party 1 | Party 2 — Party 2 | |
|---|---|---|
| Current net asset value Total assets minus total liabilities |
||
| Accrual Net asset value minus CPI-adjusted commencement value |
||
| Difference Which party's estate grew more? |
||
| Half of difference |
Admin Panel
Internal admin tools. Not visible to end users. Not printed.
| Type | Description / Keyword | Suggested Category | Times Seen | First Seen | Actions |
|---|---|---|---|---|---|
| No vendor queue entries. | |||||
⚠ Danger zone
Clears all data for this matter — form entries, bank transactions, annexures, audit log. Use this to start a completely fresh matter, or to reset between test sessions. This cannot be undone.