Prove What's Yours Before Divorce Does

Divorces often cost $50k–$250k to reconstruct financial records and prove who owns what. Untie rebuilds your financial history so you can clearly separate marital and separate assets.

Mine$0Theirs$0
Chase
Bank of America
Wells Fargo
Schwab
Fidelity
Vanguard
Coinbase
Robinhood
12,000+ more
Whether you're preparing
or already separating

Untangle years of shared finances in days

Your finances are already intertwined — joint accounts, commingled investments, dividends flowing everywhere. Untie traces every dollar back to its source so your attorney doesn't have to. Most banks only keep records for 7 years, so the sooner you start, the more complete the picture.

  • Classify pre-marital vs. marital assets automatically
  • Trace dividends and gains to their separate-property origin
  • Flag every commingling event with timestamps
  • Export court-ready asset schedules in one click
  • Share read-only access with your attorney
JOINT BROKERAGE$347,200YOUR SEPARATEPre-marital$120,000Appreciation$43,800DRIP$8,200$172,00049.5%MARITALContributions$98,000Active apprec.$62,400Commingled div.$14,800$175,20050.5%

Document everything now so nothing is contested later

You just got married — or you're about to. Your separate assets are still clearly yours. Untie locks a baseline and tracks every change, so if things go sideways, there's no ambiguity.

  • Lock a snapshot on your wedding date
  • Track contributions, appreciation, and transfers in real time
  • Get alerts the moment separate property starts commingling
  • Build an audit trail that compounds over time
  • Complement your prenup with actual data
ConnectedWeddingBaseline lockedYear 1Year 2+Pre-marital assets$487,240 — lockedAppreciation Breakdown+$34,800Passive gains$28,200Dividends earned$4,800DRIP reinvestment$1,800All separate$34,800100%
Ten minutes now saves
ten months of discovery later
When a premarital investment grows, pays dividends, or gets deposited somewhere new — Untie traces the full chain and classifies every dollar back to its origin.
1

Connect your accounts

Link bank accounts, brokerages, retirement accounts, and crypto wallets. 12,000+ institutions via Plaid.

2

Classify & lock baseline

Tag each account as yours, theirs, or joint. Set your marriage date and Untie locks the snapshot.

3

Trace & de-mingle

Untie traces contributions, appreciation, and dividends — flagging commingling and building a court-ready paper trail.

What you'll see
Schwab Brokerage — Ownership Trace Pre-marital asset, connected Mar 2024
Date
Event
Amount
Classification
Mar 12, 2024
Initial balance snapshot at connection
$80,000
Separate
Jun 15, 2024
Marriage date — baseline locked
$80,000
Separate
Sep 30, 2024
Market appreciation (passive, no effort)
+$12,400
Separate
Sep 30, 2024
Dividend — reinvested via DRIP
+$1,800
Separate
Jan 15, 2025
Market appreciation (passive)
+$22,400
Separate
Jan 15, 2025
Post-marital contribution from paycheck
+$5,000
Marital
Ownership Waterfall — Current Breakdown
Pre-marital basis
$80,000
Passive appreciation
$34,800
DRIP reinvestment
$1,800
Post-marital contrib.
$5,000
Current value
$121,600
Separate: $116,600 (95.9%)
Marital: $5,000 (4.1%)
Built for the conversation
nobody wants to have

Ownership tagging

Classify every account as yours, theirs, or joint. Lock a baseline at your marriage date.

Commingling alerts

Get notified the moment separate funds flow into joint accounts. Catch it early or trace it retroactively.

Appreciation classification

Distinguish passive appreciation from active — a critical distinction in equitable distribution states.

Immutable audit trail

Every classification, transfer, and ownership change is timestamped. Nothing can be retroactively altered.

Attorney-ready exports

Asset schedules, ownership timelines, and fund-flow reports — formatted for discovery and court proceedings.

Historical snapshots

View your assets at any point in time — the day you married, the day you bought the house, or any date in between.

Simple, transparent pricing

One analysis. Permanent documentation. No subscriptions to unlock features.

$1,250 one-time
Full asset tracing & separation analysis
  • Connect unlimited accounts
  • Complete ownership classification
  • Commingling detection & flagging
  • Court-ready export & asset schedules
  • Attorney sharing & read-only access
+ $99/yr
Ongoing record keeping
Continuous monitoring, commingling alerts, and updated snapshots — so your documentation stays current.
Common questions

Not at all. Untie retroactively traces fund flows using your connected account history — most institutions keep up to 7 years of records. The sooner you connect, the more we can recover.

You control what's shared. Each partner has their own login and can choose to share specific accounts or keep them private. Joint accounts are visible to both by default.

No. Untie is a financial tracking tool, not legal advice. Think of it as the documentation layer that makes a prenup enforceable — or the evidence you need during proceedings even without one.

Most financial institutions only retain detailed transaction history for up to 7 years. Untie pulls everything available, but the sooner you connect your accounts, the more complete the picture. For marriages under 7 years, we can typically reconstruct the full ownership chain from day one.

Untie generates documentation — your attorney uses it in court. Our timestamped, immutable records and bank-verified transaction data strengthen asset classification arguments. Multiple family law attorneys have validated our export format.

When money moves between accounts — like dividends from a separate brokerage deposited into joint checking — Untie traces the full chain, recording source, path, and destination, flagging commingling automatically.