Gwen Stefani and Gavin Rossdale Settle Divorce

Gwen Stefani and Gavin Rossdale have struck an agreement on who gets what in their divorce ... TMZ has learned.

Sources connected with the couple tell us, Gwen and Gavin will get joint custody with their 3 children. We're told the agreement provides a 50/50 split in physical custody, but we're told Gavin will actually have the kids for the majority of time because of Gwen's touring schedule.

As for money, we learned there was no prenup ... we're told Gavin agreed to take far less than his 50% share of the community property. Under California law they're each entitled to half, but our sources say Gavin took much less ... presumably to reach a quick settlement.

As for stories that Gwen and Gavin were fighting over money, we're told that was never the case.