Working on Singapore Divorce Agreement? Upload the relevant files to Caira and turn the issue into a practical document checklist. Ask about Singapore law, draft letters or forms, and upload files for review.
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• Build a disclosure map: assets, income, debts, companies, property and children’s costs.

• For SGD 2 million in family wealth, lifestyle evidence should be tied to documents.

• Separate agreed facts, disputed facts and missing records.

• Use Caira to draft evidence requests and organise uploaded financial files.

A Singapore divorce agreement checklist is useful only if it is treated as preparation, not as a shortcut around the Family Justice Courts process. The official sources for this draft validates Singapore divorce workflow context and the Women's Charter source family, but it does not validate a single government divorce-agreement template. Use this article to organise issues before legal information and document review, mediation, court filing, or court approval where required.

Start with the divorce route

Before drafting terms, identify whether both spouses are likely to agree on the divorce and ancillary matters, or whether there are disputed issues. The Family Justice Courts materials in the official sources distinguish divorce filing and divorce application context, but this draft should not decide whether a case is simplified, contested, urgent, or suitable for a particular filing path. Record what is agreed, what is disputed, and what documents still need to be checked.

Useful labels include divorce agreement, ancillary matters, child arrangements, maintenance, matrimonial assets, CPF, HDB flat, consent terms, and the Simplified Chinese label 离婚协议. Use them as headings for a working file, not as proof that the agreement is final.

Children come first in the checklist

If there are children, do not reduce the checklist to a line saying custody agreed. Write down living arrangements, daily care, school pickups, holidays, medical decisions, passports, overseas travel, communication between parents, education costs, enrichment costs, insurance, and emergency contacts. If child maintenance is discussed, list amount, due date, payment method, what it covers, and how extraordinary costs will be handled.

Avoid wording that suggests a private document automatically fixes all future child issues without court scrutiny or legal information and document review.

Maintenance and household costs

Separate interim household arrangements from longer-term maintenance. Who pays rent, mortgage, utilities, school fees, medical premiums, domestic helper costs, transport, phone bills, and loan instalments while the divorce is being handled? If one spouse will pay the other, write the amount, start date, bank account, and evidence of payment. If the amount is only a proposal, label it as a proposal. A clear checklist can prevent later arguments about whether a payment was maintenance, reimbursement, rent, or a voluntary contribution.

Matrimonial assets and debts

Prepare a practical asset schedule before writing settlement wording. Include HDB or private property, CPF-related issues, bank accounts, investments, vehicles, insurance, businesses, household items, overseas property, loans, credit cards, tax, and family borrowing. For each item, note whose name it is in, approximate value if known, supporting document, proposed treatment, and what remains uncertain. If an HDB flat, CPF use, mortgage consent, foreign asset, company shareholding, or tax issue is involved, mark it for professional review rather than forcing it into a generic clause.

Documents to collect

Make a file with identity documents, marriage certificate, children's birth certificates, proof of address, existing court papers, income documents, CPF statements if relevant, bank statements, loan statements, property documents, insurance records, tax records, school-fee notices, medical expense records, and any written proposals already exchanged. If either spouse needs translation or has weaker English, keep a version they can understand and record that the document is still for review.

A careful message to the other spouse

Use neutral wording when asking for information:

Dear [name], I am preparing a checklist of issues we need to resolve for the divorce process. Please review the sections on children, maintenance, housing, CPF or HDB matters, bank accounts, debts, insurance, and documents to exchange. This is not a final agreement or court order. It is a working list so we can identify what is agreed, what needs advice, and what remains unresolved.

Simplified Chinese label set: 双方资料, 子女安排, 赡养费, 住房安排, 资产与债务, CPF/HDB事项, 待确认文件, 未解决事项.

Common mistakes

Do not copy a foreign divorce template into a Singapore matter without checking local process. Do not say all assets are divided if disclosure is incomplete. Do not leave child costs to discuss later when they are already known. Do not treat a signed private agreement as automatically approved by the court. Do not pressure a spouse to sign quickly where children, housing, immigration, safety, or major assets are involved.

Where Unwildered fits

Upload the draft checklist, marriage documents, financial records, children's documents, property records, HDB or CPF notes, and messages between spouses. Unwildered can help organise the issues and flag missing documents before Caira review, mediation, or official court steps.

Free copyable template: This guide includes a free draft you can copy into Microsoft Word, adapt to your facts, and compare against your documents before uploading the file to Caira.

Copyable Singapore divorce ancillary terms draft

Copy the wording below into Microsoft Word or Google Docs, then replace every square-bracketed section. If you want a .docx file, copy from the first line of the draft to the signature block, paste it into Microsoft Word, and save or download it as a Word document.

DIVORCE ANCILLARY TERMS - WORKING DRAFT

Parties: [name] and [name]
Children: [names and ages]

1. Children
The children will live primarily with [parent] during school weeks. [Other parent] will have [contact schedule]. Holiday, travel, medical and school decisions will be handled as follows: [details].

2. Maintenance
[Parent] will pay SGD [amount] per month from [date], plus [school fees / medical / therapy / insurance] as follows: [details].

3. Disclosure
Each party will disclose salary, bonus, CPF, bank accounts, investments, company interests, debts, loans to relatives, crypto, insurance and overseas assets by [date].

4. Property and assets
The matrimonial home at [address] is worth about SGD [amount] with mortgage SGD [amount]. Proposed treatment: [sale / transfer / occupation / buy-out].

5. Documents to upload
[List bank statements, IRAS notices, payslips, CPF, valuations, school invoices, medical costs, company records and messages.]

Example filled-in Singapore divorce ancillary terms draft

This example is deliberately a little messy: real files often involve children, blended families, business interests, offshore accounts, disputed valuations, old messages and incomplete paperwork. Use it as a model for the level of detail to gather, not as facts to copy.

DIVORCE ANCILLARY TERMS - EXAMPLE

Parties: Amelia Tan and Jonathan Goh.
Children: Chloe, age 9, and Lucas, age 6.

The children will live primarily with Amelia during school weeks. Jonathan will have alternate weekends, one weekday dinner, half of school holidays, and video calls twice per week when travelling. Major medical, school and relocation decisions will be discussed in writing before a decision is made, unless urgent.

Jonathan will pay SGD 18,000 per month for child and household maintenance from 1 June 2026, plus school fees, therapy costs, medical insurance and 60% of enrichment expenses capped at SGD 3,000 per month unless agreed. Assets to resolve include the family condominium worth about SGD 4.9 million, a mortgage of SGD 1.6 million, Jonathan's RSUs worth SGD 1.1 million, his 22% shares in a logistics company, Amelia's UK account, crypto wallets, two cars, CPF balances, and a SGD 400,000 loan to Jonathan's brother.

Do not hide the hard parts in soft wording

The draft should not smooth over the realities that make the file valuable: a parent who travels, a child with therapy needs, RSUs vesting after separation, a private company with unclear value, a loan to a relative and overseas savings. Those details belong in the draft because they decide what evidence is needed.

A useful first version can still be provisional. Mark disputed values as estimates, state which documents are missing, and ask for disclosure by a date. That is more useful than pretending every figure is final.

• Separate day-to-day child maintenance from school, therapy, insurance and travel.

• List RSUs by grant, vesting date and estimated value.

• For private companies, request accounts, shareholder registers and director loan records.

• For family loans, state lender, borrower, amount, date and whether repayment is expected.

Sources

• Family Justice Courts

• Singapore Statutes Online

• Probate or Family Court guidance

This article is general information, not legal, financial, medical or tax advice.