Opinion
A Women’s Guide to Using Tech to Manage Divorce Financial Settlements

Divorce isn’t just an emotional challenge—it often brings a host of financial questions that can feel overwhelming. From dividing assets to planning for the future, many women find themselves navigating territory that’s entirely new.
While family law solicitors in Eastleigh, Southampton, or wherever you may live, can provide vital legal guidance, technology is increasingly playing a key role in helping women stay organised and in control of their finances.
In this article, we’ll explore how digital tools can support women in tracking expenses, managing budgets, and negotiating fair settlements—offering greater confidence and clarity throughout the divorce process.
Image credit: Pexels
Facing the Numbers Can Feel Daunting
Divorce brings emotional upheaval—but it also brings spreadsheets, statements, and decisions that can affect your financial security for years to come. Many women, especially those who stepped back from managing household finances, may feel overwhelmed by what they don’t know.
This is where tech comes in. Apps and digital platforms can simplify financial tracking, clarify your rights, and support your negotiations. They won’t replace legal advice, but they can make you a stronger partner in the process.
According to MoneyHelper, understanding your financial position is the most important starting point in reaching a fair settlement.
Step 1: Get a Clear View of Your Finances
Start by gathering information about all joint and individual assets, debts, incomes, and expenses. Apps like Emma, Moneyhub, and Snoop connect to your bank accounts and categorise your spending, making it easy to get an overview of your financial picture.
These tools help you:
- Track recurring expenses.
- Identify spending patterns.
- Monitor cash flow across multiple accounts.
By understanding your financial baseline, you’re better equipped to negotiate spousal maintenance, divide property, and plan for independence.

Image credit: Pexels
Step 2: Use Budgeting Tools to Model Life After Divorce
Budgeting apps can be incredibly useful for forecasting your financial needs post-divorce. Platforms like YNAB (You Need a Budget) or PocketSmith let you set goals, allocate funds to different categories, and visualise future income changes.
You can create two versions of your budget:
- One assuming your current lifestyle and expenses.
- One reflecting likely post-divorce income, housing, and childcare costs.
This can help you negotiate fairly, set realistic expectations, and ensure your financial settlement supports your needs.
The SavvyWoman platform also offers free budgeting guides specifically tailored to women and divorce.
Step 3: Track and Secure Financial Documents Digitally
Organising your paperwork is essential. Use cloud-based platforms like Google Drive or Dropbox to safely store digital copies of:
- Bank statements.
- Mortgage details.
- Pension plans.
- Insurance policies.
- Receipts for shared expenses.
Label folders clearly and keep backups. Some co-parenting and legal case management apps also include secure document storage, which can be helpful if you’re sharing access with your solicitor.
Keeping digital records ensures you always have what you need at your fingertips—especially important when deadlines or court requests arise.
Step 4: Understand Pension and Investment Splits
One of the most misunderstood aspects of financial settlement is how pensions are divided. Many women miss out on valuable entitlements simply because they don’t ask.
Use calculators and explainer tools to understand what a fair division looks like.
Also consider using investment apps like Freetrade or Nutmeg to start managing your own financial future—even if it’s just with a small sum initially. The confidence boost from taking control is huge.
Step 5: Secure Your Digital Identity and Financial Access
Divorce can also create digital vulnerabilities. Make sure you:
- Change passwords on all personal and joint accounts.
- Remove shared access to email, banking, and subscriptions.
- Set up two-factor authentication.
- Monitor your credit report using apps like Credit Karma or Clearscore.
You don’t want an ex-partner to have backdoor access to your data, accounts, or financial information. Take these steps early in the process.
Step 6: Use Tech to Communicate More Safely
If conversations about money become difficult or combative, consider using secure messaging apps or co-parenting platforms with communication logs. These can:
- Reduce emotional friction.
- Provide clear records of agreements.
- Help you avoid verbal misunderstandings.
Step 7: Don’t Go It Alone—Find Support Communities Online
The emotional side of managing divorce finances can’t be ignored. Many women feel ashamed, uncertain, or paralysed by financial decisions. But online support communities can be a lifeline.
Groups like Netmums, Mumsnet, and private Facebook groups for divorced or single women offer:
- Encouragement from others in similar situations.
- Tips on handling negotiations.
- Reassurance that you’re not alone.
Some financial apps also have built-in communities or coaching options. Being able to ask questions and get peer support can make a huge difference in your confidence and decision-making.
A Note on AI and Financial Planning
While still emerging, AI-powered tools are beginning to assist with divorce-related finances. Apps can now suggest settlement options, flag suspicious spending, and offer personalised financial insights based on your profile.
Used wisely, these can complement legal advice and help you feel more in control—but they should never replace professional input.
Always double-check any AI-generated insights with a solicitor or financial advisor, especially before agreeing to any legally binding settlements.
Looking forward with AI on your side
Divorce is hard. Financial negotiations can feel overwhelming, especially if you’ve never been the one “in charge” of the money. But technology can be your ally—not just to track numbers, but to rebuild your confidence and independence.
From budgeting and planning to securing your digital life and connecting with others, tech tools are changing the game for women in divorce.
You don’t have to become a financial expert overnight. But by taking small, empowered steps—and letting tech lend a hand—you can make sure your settlement supports not just your present, but your future.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult a qualified solicitor or financial adviser before making decisions regarding divorce settlements or financial planning.
News
We built Ema like a nurse: Here’s why that matters

By Claire Pettengill, science intern and Jade Anstine, clinical AI intern, Ema EQ
Every year, Gallup asks Americans which professions they trust most. Every year, nurses win. Not doctors. Not scientists. Nurses. And if you spend any time thinking about why, the answer is not hard to find.
Medicine runs on the nurse noticing first. In other words, the diagnosis follows the nurse sounding the alarm. They ask questions that feel human, not procedural. They explain what is happening in language you can understand.
And, critically, they know when something is beyond their scope and get you to the right person without making you feel like a burden for needing more.
That is the model we built Ema on.
When we set out to build an AI companion for women’s health, we could have just built something that answers questions efficiently. Pattern matching. Fast retrieval. Clinically accurate outputs.
Those things matter, and Ema does all of them. But accuracy alone does not build trust, and trust is the entire game in healthcare.
A woman asking about her postpartum recovery, her fertility, or her breastfeeding supply is not looking for a search engine. She is looking for someone who will take her seriously.
Women’s concerns don’t just need to be ‘validated’; they also need to be believed. Dismiss a woman’s pain as anxiety once, and you’ve taught her to doubt her own body.
The nursing model of care is built on exactly that premise. It is care that is shaped by her story. It asks about context and symptoms.
It treats the person as a whole, and it recognises that the right answer is sometimes a referral, not a response.
We trained Ema to escalate. That may sound like a small thing, but in AI, it is a deliberate design choice.
Most AI systems are optimised to answer and maintain engagement. Ema is optimised to help, and sometimes helping means saying “you need to speak to a clinician” and making that path easy.
This matters especially in women’s health, where the clinical trust gap is well-documented.
In a 2022 nationally representative survey of over 5,000 women, nearly 1 in 3 reported that their doctor had dismissed their concerns, and 15 per cent said a provider simply didn’t believe them.
Women are more likely to have their symptoms dismissed, their concerns minimised, and their pain undertreated. Among women under 35, nearly half reported at least one of these experiences.
They have had to learn how to advocate within systems designed for efficiency, built on men’s health.
With Ema, every conversation is an opportunity to make a woman feel heard, informed, and directed to the right level of care, neither over-triaged nor undertreated.
The goal is not to replace clinicians. It is to create a trustworthy first point of support that listens carefully, explains clearly, recognises limits, and helps women move toward appropriate care.
The nurses who top those Gallup rankings every year earn that trust through consistency. They show up, listen, follow through, and know their limits.
Ema is simply that trust, built into technology. That is the standard we hold Ema to: a trustworthy presence that knows when to answer and when to hand off.
Medicine spent a long time teaching women not to expect to be believed. Ema is built by the people who never stopped listening.
Bios
Claire Pettengill is a psychiatric nurse and DNP-PMHNP candidate at Columbia University School of Nursing, specialising in women’s mental health across the lifespan and algorithmic justice – ensuring the AI tools shaping women’s care are built to actually listen. She joined Ema EQ as a science intern focusing on clinical safety standards for evaluating AI in women’s health.
Jade Anstine is a senior nursing student at Gustavus Adolphus College looking to bridge the gap between frontline medicine and digital health innovation. He joined Ema EQ as a Clinical AI Intern to assess the Ema AI model across different clinical populations, specifically pediatrics and LGBTQ+.
Insight
The technology exists: Why are women still waiting?

By Jane Lewis, chief operating officer, chief financial officer and women’s health lead, ABHI
For years, the conversation around women’s health has rightly focused on recognition.
Recognition that women wait longer for diagnosis. Recognition that symptoms are too often dismissed or normalised. Recognition that healthcare systems have historically been designed around male biology, leaving gaps in research, evidence and care.
That recognition matters. But awareness alone will not improve outcomes.
The challenge facing women’s health today is no longer simply identifying the problem. It is acting on the solutions already available.
At ABHI’s Women’s Health Summit earlier this year, leaders from across healthcare, government, academia and industry came together to discuss the future of women’s health.
One message emerged repeatedly throughout the day: we do not have an innovation problem.
Across medical devices, diagnostics, digital health and genomics, there are already technologies capable of transforming outcomes for women.
From self-sampling approaches for cervical screening and non-invasive diagnostics to AI-enabled tools and advanced imaging, innovation is happening. The question is whether healthcare systems can adopt it quickly enough.
Too often, promising technologies become trapped in pilot programmes, fragmented procurement processes or lengthy implementation pathways. Evidence generation, commissioning and adoption are frequently treated as separate challenges rather than part of a single journey.
The consequence is that innovations capable of improving quality of life and reducing pressure on health services take years to reach the women who could benefit from them.
This matters because women’s health extends far beyond reproductive health.
Historically, many discussions have centred on fertility, pregnancy and gynaecological conditions. These remain critically important, but they represent only part of the picture.
Women experience cardiovascular disease differently to men. They are disproportionately affected by autoimmune conditions. They face distinct health challenges throughout their lives, from adolescence to healthy ageing.

Jane Lewis
Yet healthcare systems often continue to approach these issues in isolation.
A woman does not experience her health in separate compartments. Pregnancy, cardiovascular risk, menopause, mental health and musculoskeletal conditions are interconnected.
Healthcare systems need to reflect that reality through more integrated, life-course approaches to care.
There has never been a better opportunity to do so.
Across the NHS, the shift towards prevention, community-based care and digital transformation aligns closely with the needs of women’s health.
Women’s Health Hubs are already demonstrating the benefits of bringing services together around the needs of women rather than organisational boundaries. Digital technologies are helping to identify risk earlier and support more personalised care.
Innovation can help deliver all three of the NHS’s major transformation ambitions: moving from treatment to prevention, from hospital to community, and from analogue to digital care.
But innovation alone is not enough.
Closing the women’s health gap also requires us to address longstanding gaps in research and evidence.
Women remain underrepresented in many areas of clinical research, and sex-disaggregated analysis is not always applied consistently. The result is that clinical pathways and treatment decisions are often based on evidence that does not fully reflect female physiology.
Better data, stronger research participation and greater focus on female-specific and female-predominant conditions will be essential.
There is also a compelling economic case for action.
Women’s health is often framed as an equality issue, and equality remains central. But poor health affects workforce participation, productivity and economic growth.
Improving outcomes for women benefits not only patients, but employers, healthcare systems and wider society.
Yet despite this, women’s health innovation continues to attract only a fraction of the investment directed towards other areas of healthcare.
That is beginning to change.
Across the UK and internationally, momentum is building. Governments, investors, researchers and innovators increasingly recognise that women’s health is both a societal necessity and an economic opportunity.
The conversation has moved on significantly in recent years. Topics that were once overlooked are now firmly on the policy agenda.
The next challenge is ensuring that awareness translates into action.
The technologies exist. The evidence is growing. The policy direction is increasingly clear.
ABHI is increasingly taking this agenda beyond national boundaries. Through our engagement with international industry associations, policymakers and healthcare leaders, we are working to ensure that women’s health is recognised as both a health and economic priority.
We are helping to shape discussions on innovation, regulation, investment and adoption, while sharing lessons from the UK with partners around the world.
Whether addressing the gender health gap, improving access to diagnostics or accelerating the uptake of new technologies, international collaboration will be essential.
The challenge now is not recognising the need for change, but delivering it.
Women have waited long enough for acknowledgement of the problem. They should not have to wait any longer for the benefits of the solutions that already exist.
ABHI is the UK’s leading industry association for HealthTech. Its members, ranging from multinationals to small and medium-sized enterprises (SMEs), develop and supply technologies spanning everything from syringes and wound dressings to surgical robots, diagnostics, and digitally enabled healthcare solutions. ABHI’s 400 member companies represent approximately 80% of the UK HealthTech sector by value.
Opinion
Women’s Health has waited long enough for innovation

By Dr Fran Conti-Ramsden, clinician at Guy’s and St Thomas’ NHS Foundation Trust, academic at King’s College London, and chief medical officer of MEGI Health.
A woman gives birth. A few days later she goes home, often with a bag of medication for her blood pressure, and then, very often, very little structured follow-up for her heart (cardiovascular) health.
In my clinical work, and through our collaboration with Action on Pre-eclampsia, I see and hear about this postnatal cliff edge again and again, and it still shocks me.
We invest a lot of medical care and attention whilst a woman or birthing individual is pregnant, then, at the very moment emerging evidence suggests we have a window of opportunity to modify long-term health, the support falls away.
That cliff edge is a symptom of a deeper issue: we have come to treat “women’s health” as a synonym for reproductive health. Pregnancy, periods and fertility, important as they are, have crowded out everything else.
Yet the conditions that do most to shorten and limit women’s lives are not reproductive at all.
Cardiovascular disease is the leading cause of death in women worldwide, and it is still too readily thought of as a man’s problem.
Heart disease in women is more likely to be missed and under-treated, in part because for decades women were under-represented in the research that built our knowledge.
Pregnancy makes this vivid.
Conditions such as pre-eclampsia are not only risks to be managed for nine months; they are early warnings about a woman’s future, markers that she is more likely to develop heart disease and high blood pressure in the years to come.
We have the knowledge to act on that. What we mostly do instead is discharge her and look away.
This is exactly the kind of problem better tools should help us solve: spotting risk earlier, supporting women and their clinicians through the vulnerable postnatal window, and providing continuity where the system currently provides a drop due to lack of capacity.
Artificial intelligence and digital health have real potential here; in risk prediction, in monitoring blood pressure at home, and in helping stretched clinicians know who needs attention and when.
And yet this is not where most of the energy is going.
It is far easier to build, fund and scale an app that tracks a cycle than a tool that changes the trajectory of a woman’s heart.
So, innovation clusters at the lighter, lower-risk end of innovation, while the conditions that actually kill and disable women, and moments like the postnatal cliff, stay under-served.
Closing the women’s health gap could add at least a trillion dollars to the global economy each year, the World Economic Forum estimates, but the bigger prize is women living longer, healthier lives.
None of this means technology is a cure in itself. It is a tool, and a tool built carelessly can do harm.
Because women have been under-represented in medical data, systems trained on that data can quietly carry the same blind spots forward, deepening inequalities rather than closing them.
Responsible innovation, with clinical-grade evidence, privacy and equity designed in from the start, and tools built around real clinical pathways rather than bolted on afterwards, is not a brake on progress.
It is the only version of progress worth having.
I am optimistic, because a serious community is forming around exactly these questions and the appetite to get it right is real.
It is why, at MEGI, we are bringing clinicians, researchers, founders, regulators and investors together for our AI × Women’s Health summit on 25 June.
If we keep our focus on the conditions that matter most to women’s lives, and build the tools to meet them responsibly, the postnatal cliff edge could become something else entirely: the moment the system finally catches her and delivers preventative healthcare.
AI × Women’s Health: Innovation, Challenges and Opportunities summit is taking place on Thursday 25 June 2026 at the London Institute for Healthcare Engineering. The event is free and is fully booked and operating a waiting list. Join the waiting list here.
About Dr Fran Conti-Ramsden
Dr Fran Conti-Ramsden is a UK Obstetrics and Gynaecology registrar and Chadburn Clinical Lecturer at KCL passionate about transforming women’s health through technology and innovation.
Combining NHS clinical experience with an MRC-funded PhD, recent NHS Clinical AI fellowship and commercial role as Chief Medical Officer at Megi health, she works at the intersection of clinical medicine, data science, technology and AI.
Her current programme of research focuses on the intersection of healthcare and technology; leveraging advances such as smartphone based vital signs capture and large language models to drive forward scalable innovation in maternal cardiovascular care.
She has published over 20 peer-reviewed manuscripts (See gScholar, h-index 12), including award-winning work recognized by Hypertension Journal.
She was awarded an AI visionary award in 2025 by Health Innovation KSS was the recipient of the 2024 International Society for the Study of Hypertension in Pregnancy Zuspan prize.
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