Not affiliated with the U.S. Department of Veterans Affairs. Estimates only, not legal or financial advice. Your VA decision letter is the final word.

VA Disability Calculator

Find your combined VA disability rating and estimated monthly pay. Uses VA’s official 2026 rates (effective December 1, 2025) and the exact combining rules in 38 CFR 4.25 and 4.26. Everything runs in your browser. Nothing you enter is sent anywhere.

Add each service-connected rating from your decision letter. If a rating is for an arm or a leg, pick which one so the bilateral factor can be applied.

Your ratings

Quick add:

    Dependents

    At 10% and 20%, VA pays no extra for dependents. SMC-K ($139.87/month each in 2026) is added on top of the basic rate.

    Rate year

    The 2027 amounts are our estimate until VA publishes its 2027 table. How we estimate.

    Your estimate 2026

    Add at least one rating to see your combined rating and pay.

    Rates: VA.gov, effective December 1, 2025, checked October 19, 2026. Math: 38 CFR 4.25, 4.26. Estimates only.

    How this calculator works

    1. Bilateral factor first. If you have compensable ratings on both arms or both legs, those are combined and 10% of the result is added (38 CFR 4.26).
    2. Combine in order of severity. Ratings are sorted from highest to lowest and combined one at a time with the Combined Ratings Table (38 CFR 4.25). Each step is a whole number.
    3. Round once, at the end. The final combined value is rounded to the nearest 10%. A 65 becomes 70%, a 64 becomes 60%.
    4. Look up pay. Your rounded rating and dependents are matched to VA’s published rate table, then added amounts (extra children, school-age children, spouse Aid and Attendance, SMC-K) are added.

    Want the details and worked examples? Read how VA math works, or browse the 2026 VA disability pay chart and the 2027 rate estimate.

    What this calculator does not cover

    It does not estimate back pay, TDIU (individual unemployability), SMC levels L through S, or offsets such as military retired pay or drill pay. VA decides your rating and payment. For free help with a claim, find an accredited VSO representative on VA.gov.

    Frequently asked questions

    How does the VA combine disability ratings?

    VA does not add ratings together. It starts with your highest rating and applies each next rating to the part of you that is still “efficient,” using the Combined Ratings Table in 38 CFR 4.25. The final combined value is then rounded to the nearest 10%, with values ending in 5 rounded up. See how VA math works.

    What is the bilateral factor?

    If you have compensable ratings on both arms or both legs, VA combines those ratings first, then adds 10% of that combined value before combining it with your other ratings (38 CFR 4.26). Tag each rating with the arm or leg it affects and the calculator applies it automatically.

    How much is 100% VA disability per month in 2026?

    For a veteran with no dependents, the 100% rate effective December 1, 2025 is $3,938.58 per month, per VA.gov. Dependents and SMC can increase it. See the full 2026 pay chart.

    Do dependents increase pay at 10% or 20%?

    No. VA adds dependent amounts only when your combined rating is 30% or higher.

    Is this calculator official?

    No. This site is not affiliated with the U.S. Department of Veterans Affairs. Results are estimates only. Your VA decision letter is the official record of your rating and payment.