QDRO drafting & review · 50 states + DC + federal plans · free
The math is
commodity. So it’s free.
Filing-ready retirement-division orders for the public systems of all 50 states and the District of Columbia, and every federal plan - drafted from the plan’s own official model and the decree state’s law, every clause cited. Then a review that reads the other side’s draft the same way. No account fee. No ads. Nothing to take on faith.
The tools
QDRO Preparer
Ready50 states + DC · IRS 97-11 · DFAS · 5 CFR 838 & 1653
A guided preparer that assembles a filing-ready retirement-division order from the plan's own official model language and the decree state's law - every election explained and left to counsel or the party, nothing stored.
QDRO Review (Scrutinizer)
Ready67 rules · every plan type · runs in your browser
Upload or paste an existing draft or entered order and get a cited defect checklist - plan detected automatically, findings grouped by severity, with a draft opposition or motion to amend a click away. The document never leaves your device.
Plans we divide
ReadyState systems · ERISA DB / DC · USFSPA · FERS / CSRS · TSP · IRA
Which order each plan requires and what it must contain - a state public-pension DRO, an ERISA QDRO, a military retired-pay order, a federal COAP, a TSP RBCO, or an IRA transfer - with the governing authority for each.
QDRO Tools
ReadyTime rule · coverture · survivor elections
Estimate the marital and alternate-payee share of a pension, 401(k), public-system, military, or federal benefit, and identify which order applies before you draft.
Free
No subscription. No $500 a year. Every tool, for counsel and for the party filing without one, in every state we cover.
Private by design
No ad networks, no data brokers, no selling your data. A real privacy policy - a promise, not a placeholder.
Open-source math
The calculation logic is public and peer-reviewable. We don't think you'll find an error - and if you do, we fix it in the open.
Every clause cites its source
Each provision shows the model order, statute, regulation, or case it comes from. Nothing to take on faith.