Is an Equity.me report legally binding?
Equity.me does not certify the legal effect of a report or participant confirmations. The report records the proposals accepted in the tool; it does not transfer ownership or change a mortgage. Formal requirements depend on your circumstances and the applicable law.
Can I start an inventory before inviting my partner?
Yes. Create the dossier and add the information you have, then invite the other partner when you are ready. Your entries do not become joint agreements just because you added them. Both independent partner accounts must confirm a proposal before it enters the agreed balance.
How does the calculator handle unequal contributions?
Choose a percentage, return selected contribution credits before dividing the remainder, or divide all equity in the ratio of those contributions. The unequal down payment examples show how much the results can differ. The calculator does not select a legal entitlement.
Are my calculator inputs saved?
They remain on the page until you choose “Use this scenario in my inventory”. That action keeps a draft in the current browser tab while you sign in. Review and import it within 30 minutes. Saving or discarding removes the temporary copy; expired drafts are rejected and removed when opened.
Creating the inventory saves the figures to the shared dossier. No financial amounts are placed in the page URL. The privacy policy explains the saved records and deletion controls.
Who can read my private notes?
Only the account that wrote them. Other participants cannot see them, and the shared PDF and CSV exclude them. Shared comments are visible to dossier members.
Can I change a proposal after confirming it?
Yes. A changed proposal needs fresh confirmations from both partners. You can also withdraw your own approval without editing the other partner’s response.
Does the borrowing estimate mean a lender will approve me?
No. It uses your inputs to illustrate a replacement loan and principal-and-interest payment. A lender must assess the actual application. The home buyout process explains where financing checks belong.
What does the US$39 dossier fee cover?
One shared consumer dossier for both partners, with 12 months of access and PDF and CSV exports. Payment is made through Stripe before starting a paid dossier. See Equity.me dossier pricing for the fee and its limits.
Can I export before we agree everything?
Yes. The PDF includes open proposals and labels a balance as partial while items remain unresolved. CSV exports the shared item records. The sample property settlement report shows an unresolved home alongside agreed entries.
Can one dossier contain several currencies?
Choose one currency for the dossier. Equity.me does not convert balances or apply exchange rates. For an asset held in another currency, establish the conversion amount, rate and date you want to use, and keep that explanation with the record for review. A currency choice does not select the law governing the settlement.
Why use a shared dossier instead of a spreadsheet?
A spreadsheet can be enough for a list and totals. The dossier adds separate partner responses, item-specific discussion and confirmations tied to a proposal. Changes require fresh approval, and the report distinguishes open entries from agreements. If you only need a one-off home calculation, you can use the public calculator without creating a dossier.