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Frequently Asked Questions (Inflation-Adjusted Alimony vs. Lump-Sum Buyout Calculator)
Why is a lump-sum alimony buyout often safer than monthly payments?
Monthly alimony can be modified or terminated if the paying spouse loses their job, becomes disabled, retires, or if you cohabitate/remarry. A lump sum in your own account is 100% under your control.
How do divorce financial analysts calculate a fair buyout discount?
Analysts discount future monthly payments by 5%–7% annually (time value of money + payer default risk) to find the Net Present Value (NPV).
Is alimony taxable in the US in 2026?
For federal tax purposes on divorces finalized after January 1, 2019, alimony payments are neither deductible by the payer nor taxable income to the recipient.
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