A prenuptial agreement is a contract two people sign before marrying that settles, in advance, how property and debts will be treated during the marriage and divided if it ends. Far from planning for failure, it is the one financial conversation every couple benefits from having while things are calm.
This template covers the core of every prenup: each party's separate property, premarital debts, marital property rules, and spousal support. Download it in Word and PDF, then sign it before a notary well ahead of the wedding.
What a prenup can and cannot decide
A prenup can classify property as separate or marital, protect a business or family assets, allocate premarital debts, and address spousal support. It cannot decide child custody or child support: those belong to the court based on the child's best interests at the time. It also cannot encourage divorce, impose personal conduct rules with financial penalties in most states, or leave one spouse destitute while the other prospers.
- Typical protections: a business you built, a home you already own, expected inheritances, retirement savings, and separation from a partner's student loans.
- Off limits: child custody, child support, and terms a court would find unconscionable.
What makes a prenup enforceable
Most states follow the Uniform Premarital Agreement Act, and courts test prenups on the same themes everywhere: voluntary signature, fair and reasonable financial disclosure, no unconscionable terms, and time to reflect. The classic failure cases are a prenup presented days before the wedding, hidden assets, or a spouse who never saw a lawyer signing away everything. Sign months in advance, disclose fully, keep the terms reasonable, and have each party consult independent counsel: those four habits win nearly every enforceability fight before it starts.
Independent counsel is the strongest safeguard
A few states, including California for spousal support waivers, effectively require each party to have their own attorney for certain terms to be enforceable. Even where optional, separate counsel for each party is the single best investment in the agreement's durability.
The right way to do it: timeline and signing
Start the conversation early, ideally when the engagement begins. Exchange complete financial summaries: assets, debts, and income, with statements to back them up. Negotiate terms both of you consider fair, then sign before a notary at least 30 days before the wedding, with each party keeping an original. Revisit the agreement after major changes: children, a business sale, or a move to another state, where a postnuptial amendment can update the terms.
Frequently asked questions
When should we sign the prenup before the wedding?
As early as possible, and at least 30 days before the ceremony. Last-minute signatures are the most common reason courts find duress and refuse enforcement. California builds in a mandatory seven-day review period; good practice everywhere is far longer.
Do we each need our own lawyer?
It is strongly recommended, and for certain waivers in some states, practically required. One lawyer cannot represent both of you: independent review for each party is what proves the agreement was understood and voluntary.
Can a prenup decide who gets custody of our children?
No. Custody and child support are always decided by the court based on the child's best interests at the time of separation. Any prenup clause on those subjects is void.
Is a prenup valid if we move to another state?
Generally yes: states enforce agreements valid where signed, and this template includes a governing law clause. A significant move is still a good moment to review the terms, since community property and equitable distribution states treat marital property differently.
What happens if we never divorce?
Then the prenup mostly stays in the drawer. Its property classifications can still matter at death, interacting with wills and elective share rights, and its debt provisions protect each spouse from the other's creditors throughout the marriage.