Getting a value and the costs
What a pension valuation for divorce typically costs, and why it is usually a fraction of what is at stake.
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General information, not advice on your own case.
Not sure whether you need a report at all? Try the free “Do I need a PODE?” check.
The honest answer is: it depends on how many pensions are involved and how complicated they are, but it is almost always small next to the value being divided.
The rough shape. For a straightforward case, a pension report from a Pension on Divorce Expert (PODE) typically costs somewhere in the low thousands of pounds plus VAT. More pensions, or complex public-sector schemes, push it higher; a single simple scheme sits at the lower end. Any reputable expert will give you a fixed quote before you commit, once they know what they are being asked to value, so you are never signing a blank cheque.
Why it is worth it. Put the fee next to the sums it protects. Pensions are frequently the largest or second-largest asset in a divorce, and the difference between a fair split and a wrong one can run to tens of thousands of pounds, often more, and often for the rest of someone’s life. A report that costs a few thousand and moves the outcome by far more than that has paid for itself many times over. The cases where a report is not worth it are real too, and a good expert will tell you when yours is one of them (see “Do I need an actuary?”).
What affects the price:
A note on VAT and quotes. Fees are normally quoted plus VAT. Ask for the fixed fee in writing, and ask what is included, for example whether answering follow-up questions or attending to implementation is part of the price or extra.
Not sure whether you need a report at all? Try the “Do I need a PODE?” tool first, it is free and takes a couple of minutes.
July 2026
The free check takes about two minutes and tells you where you stand.