VA Ratings Calculator
Enter your service-connected conditions and see your real combined rating — the way the VA actually calculates it, not simple addition.
Your Conditions
Add each service-connected condition and its rating. The calculator sorts highest to lowest automatically.
Bilateral Factor
If you have conditions affecting both arms or both legs, the VA applies a 10% bilateral factor before combining. Add it manually as a separate 10% condition if applicable.
Close to 100% but not there?
If your combined rating is 95%+ or you are unable to work due to service-connected disabilities, you may qualify for TDIU — which pays at the 100% rate. Learn about TDIU →
How This Calculator Works
This calculator uses the VA Combined Ratings Table method — rounding each intermediate result to the nearest 5% before applying the next condition. This matches how the VA actually computes combined ratings. The final result is then rounded to the nearest 10% for your official VA rating. If your result still differs from your VA letter, the most likely reasons are: the bilateral factor (10% added for conditions affecting both paired extremities) or conditions not entered here.
Step-by-Step Breakdown
Estimated Monthly Compensation
2026 VA rates. Rates increase with additional dependents.
How the Formula Works
The VA uses a "whole person" method — not simple addition. Each disability is applied to the remaining healthy portion of you.
Figure: The VA never adds ratings together. The highest rating is applied first, and every additional rating is applied only to the portion of the "whole person" that remains. A 60% rating leaves 40% whole; a second 40% rating takes 40% of that 40% — just 16 more points — for a combined 76%, which rounds to an official 80%. This is why stacking several mid-range ratings rarely reaches 100%.
Source: 38 CFR § 4.25 — Combined Ratings Table, U.S. Department of Veterans Affairs Schedule for Rating Disabilities. ecfr.gov — 38 CFR 4.25
Monthly Compensation Rates
Monthly rates for veterans with service-connected disabilities (2026). Rates increase with dependents.
| Rating | Veteran Alone | + Spouse | + Spouse + 1 Child | + Spouse + 2 Children |
|---|---|---|---|---|
| 10% | $180.42 | $180.42 | $180.42 | $180.42 |
| 20% | $356.66 | $356.66 | $356.66 | $356.66 |
| 30% | $552.47 | $617.47 | $666.47 | $698.47 |
| 40% | $795.84 | $882.84 | $947.84 | $990.84 |
| 50% | $1,132.90 | $1,241.90 | $1,322.90 | $1,376.90 |
| 60% | $1,435.02 | $1,566.02 | $1,663.02 | $1,728.02 |
| 70% | $1,808.45 | $1,961.45 | $2,074.45 | $2,150.45 |
| 80% | $2,102.15 | $2,277.15 | $2,406.15 | $2,493.15 |
| 90% | $2,362.30 | $2,559.30 | $2,704.30 | $2,802.30 |
| 100% | $3,938.58 | $4,158.17 | $4,318.99 | $4,428.10 |