协商离婚最常见的失败不是分得不公，是清单本身不全——签完协议才发现漏了住房公积金、企业年金、保险的现金价值、未到期理财，或者对方在外面的担保。
把已经想到的列进来，代码按十二类比对，把你没碰过的类别直接列出来，每一类附上要调取哪些凭证。这份清单真正的价值在于那几项不在任何一张银行卡上、对方不说你就不会知道的东西。
关于取证，有几句必须先说：你能自己查的现在就查（本人名下的银行流水、公积金、社保与年金、保单现金价值、征信报告、证券账户），因为账户余额每天都在变，现在查比几个月后补容易得多。查不到对方名下的，正规途径是在诉讼中申请法院调查取证或调查令——这也是很多情况下必须走诉讼而不是协议的原因之一。
请勿擅自登录对方账号、安装监控软件或私自获取通信记录：这样取得的材料通常不被采信，而且可能让你自己承担法律责任，反而削弱你的位置。
还有一条特别容易被忽略的：夫妻之间关于债务的约定，通常不能对抗债权人——协议里写了「由对方偿还」，债权人仍可能找你。这一条必须让律师看。
怎么分这里不给意见。 那取决于财产性质、出资来源、取得时间与法律适用，只有律师能判——而签字前找律师审一遍协议文本，是整件事里性价比最高的一笔支出。
$3 解锁十二类逐项的凭证获取路径与话术、协议条款的自查清单、以及财产转移迹象的排查方向。
Divorce settlements more often fail because the list was incomplete than because the split was unfair — the housing fund, the corporate annuity, a policy's cash value, an unmatured product, or a guarantee given to a third party surfaces after signing.
List what you've thought of and the code checks it against twelve categories, naming the ones you haven't touched and what documents each requires. The value is in the items that sit on no bank card and that you won't learn about unless the other person mentions them.
On evidence, several things first: gather what you can access now — your own bank statements, housing fund, social insurance and annuity, policy cash values, credit report, securities accounts — because balances move daily and retrieving today is far easier than reconstructing months later. What you cannot access about the other party is properly obtained through court-ordered discovery in proceedings — which is itself one reason some cases must be litigated rather than agreed.
Do not log into their accounts, install monitoring software, or obtain their communications privately: such material is typically inadmissible and can create liability for you, weakening your position.
One routinely missed point: an agreement between spouses about debts generally cannot bind a creditor — writing that the other party will repay does not stop a creditor coming to you. Have a lawyer review that clause.
No opinion is given here on how to divide anything. That depends on characterisation, source of funds, timing and applicable law — only a lawyer can assess it, and having one review the agreement before signing is the highest-value expenditure in this entire process.
$3 unlocks retrieval routes and scripts for all twelve categories, a clause-by-clause review checklist, and where to look for signs of asset movement.
十二类逐项的凭证获取路径（哪些能自己查、去哪查、怎么问）、协议条款的逐条自查清单（房产过户、债务、履行期限、兜底条款）、财产转移迹象的排查方向，以及一份可打印的清单表。Retrieval routes for all twelve categories, a clause-by-clause checklist for the agreement (transfer of property, debts, deadlines, catch-all provisions), where to look for signs of asset movement, and a printable worksheet.
本工具不提供法律意见，不判断任何财产的性质或归属，也不给出任何分割比例的建议。 财产是否属于共同财产、如何分割、债务是否为共同债务，取决于取得时间、出资来源、书面约定与法律适用，必须由律师结合具体事实判断。本工具仅按关键词对你填写的内容做分类与缺口提示，会归错也会漏。请勿以非法方式获取对方的账户、通信或其他信息——这类材料通常不被采信，且可能使你承担法律责任。涉及未成年子女的安排以子女利益为准，部分内容即使约定也可能被调整。签署任何协议前请由律师审阅文本。 若存在人身安全风险，请优先联系当地公安机关或反家暴求助渠道。你填写的内容不入库。
This is not legal advice, characterises no asset, and recommends no division. Whether property is marital, how it should be divided, and whether a debt is joint depend on timing, source of funds, written agreements and applicable law, and must be assessed by a lawyer on the specific facts. This tool only classifies what you type and flags gaps; it mis-sorts and misses. Do not obtain the other party's accounts, communications or other information unlawfully — such material is typically inadmissible and can create liability for you. Arrangements concerning minor children are governed by the children's interests and may be revisited regardless of agreement. Have a lawyer review any agreement before signing. If there is any risk to personal safety, contact the police or domestic violence support services first. Nothing you enter is stored.