How to Reduce Divorce Costs: 10 Proven Strategies
Divorce doesn't have to drain your bank account. While the average contested divorce costs $15,000–$30,000+, many couples spend far less by being strategic. Here are 10 proven ways to reduce costs:
1. Choose Uncontested Divorce When Possible
An uncontested divorce — where both spouses agree on key issues — costs 70-80% less than a contested one. If you can agree on asset division, custody, and support, you'll save thousands.
2. Try Mediation Before Litigation
A mediator costs $3,000–$7,000 total, compared to $10,000+ per person for litigation attorneys. Mediation also tends to produce better outcomes for both parties.
3. Organize Your Financial Documents Early
Attorneys charge $250–$400/hour. Every minute they spend hunting for documents is money wasted. Gather bank statements, tax returns, mortgage documents, and retirement account statements before your first meeting.
4. Use a Flat-Fee Attorney
Many family law attorneys offer flat fees for uncontested divorces. This eliminates the uncertainty of hourly billing and can save 30-50% compared to hourly rates.
5. Consider Online Divorce Services for Simple Cases
If you have no children, minimal assets, and both agree to the divorce, online services ($150–$500) can handle the paperwork for a fraction of attorney costs.
6. Don't Let Emotions Drive Legal Decisions
Fighting over a $2,000 couch while paying $350/hour in attorney fees is bad math. Focus on what matters financially and let go of the rest.
7. Know Your State's Filing Fees
Filing fees range from $80 (North Dakota) to $435 (California). Some states offer fee waivers for low-income filers — ask the court clerk.
8. Use Free Calculators to Prepare
Tools like our divorce cost calculator and asset division calculator help you understand your situation before spending on professional advice.
9. File During Off-Peak Times
January and March are the busiest months for divorce filings. Filing during slower periods may get you faster court dates and more attorney availability.
10. Consider a Collaborative Divorce
In collaborative divorce, both parties hire attorneys who agree to negotiate — not litigate. If collaboration fails, both attorneys must withdraw, creating a strong incentive to settle.
Bottom Line
The biggest factor in divorce cost is whether it's contested or uncontested. Do everything possible to reach agreement before entering the courtroom.