I’m engaged and we’re working on a prenup. The plan is to keep most of our assets separate. We also plan to purchase a condo together for our primary residence.

We worked on a formula for distributing the real estate if one of us dies, we separate, etc. The formula works and we both like it. Basically, the calculation is done (upon separation, etc.) based on each person’s down payment and borrowed amount, and a few other variables.

But we assume there must be standard formulas people use to do this sort of thing. When I saw my attorney last week, she wrote up something tentative that she seemed to be coming up with on the spot, and upon later examination there were some problems with it (such as: my SO could contribute to the condo but end up owning zero percent!).

So our questions are: a) Are there standard formulas that people use for this? b) If so, how can we access them? Are they available online anywhere?