VA Disability Calculator
This VA disability calculator combines multiple VA disability ratings using the method in 38 CFR 4.25. VA does not add ratings together. Each rating applies only to the part of you still counted as non-disabled, and the combined result is rounded to the nearest 10 percent to give your final rating.
Free · No account needed · Private · About 3 minutes
How it works
- 1
Add your ratings
Enter each rated condition and its percentage, and mark the ones on both arms or legs.
- 2
Add your family
Tell us about a spouse, children or parents who depend on you.
- 3
See your results
Get your combined rating and an estimate of your 2026 monthly pay.
What you get
- Your combined VA rating using VA math
- Your estimated 2026 monthly and yearly pay
- How dependents may change your pay
- A clear breakdown of each step of the math
What this tool does
- • Combines your ratings the way the VA does, including the bilateral factor
- • Uses the 2026 VA pay rates for Veterans and dependents
- • Shows how each condition changes your combined rating
What this tool does not do
- • Does not decide your rating. Only the VA can do that
- • Does not file anything with the VA
- • Does not include special monthly compensation (SMC)
VA Combined Ratings Table (38 CFR 4.25)
| Rating | +10% | +20% | +30% | +40% | +50% | +60% | +70% | +80% | +90% |
|---|---|---|---|---|---|---|---|---|---|
| 10% | 19 | 28 | 37 | 46 | 55 | 64 | 73 | 82 | 91 |
| 20% | 28 | 36 | 44 | 52 | 60 | 68 | 76 | 84 | 92 |
| 30% | 37 | 44 | 51 | 58 | 65 | 72 | 79 | 86 | 93 |
| 40% | 46 | 52 | 58 | 64 | 70 | 76 | 82 | 88 | 94 |
| 50% | 55 | 60 | 65 | 70 | 75 | 80 | 85 | 90 | 95 |
| 60% | 64 | 68 | 72 | 76 | 80 | 84 | 88 | 92 | 96 |
| 70% | 73 | 76 | 79 | 82 | 85 | 88 | 91 | 94 | 97 |
| 80% | 82 | 84 | 86 | 88 | 90 | 92 | 94 | 96 | 98 |
| 90% | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 |
Each cell is the combined value before final rounding. Source: 38 CFR 4.25 on eCFR.
How VA Combines Disability Ratings
VA does not add your ratings together. Each added rating applies only to the part of you that is still counted as non-disabled, and the total is then rounded to the nearest 10. That is why two 50% ratings combine to 75, which rounds to 80%, not 100%.
Step by step: 70% + 50% + 30%
- Order highest first: 70, 50, 30
- 70 + 50 × (100 − 70) ÷ 100 = 70 + 15 = 85
- 85 + 30 × (100 − 85) ÷ 100 = 85 + 4 = 89
- Round 89 to the nearest 10 = 90%
| Ratings | Combined before rounding | Final rating |
|---|---|---|
| 50% + 30% | 65 | 70% |
| 50% + 50% | 75 | 80% |
| 70% + 30% | 79 | 80% |
| 40% + 30% + 20% | 66 | 70% |
| 30% + 20% + 10% | 49 | 50% |
| 70% + 50% + 30% | 89 | 90% |
| 60% + 40% + 20% + 10% | 82 | 80% |
How VA Rounds Your Combined Rating
| Combined value | Final rating |
|---|---|
| 45 | 50% |
| 55 | 60% |
| 65 | 70% |
| 75 | 80% |
| 85 | 90% |
| 95 | 100% |
VA rounds your combined value to the nearest 10 percent. A value ending in 5 always rounds up, so 65 becomes 70%, not 60%. VA only rounds once, at the very end, after all your ratings are combined.
What Is the Bilateral Factor?
The bilateral factor is a small boost for disabilities on both sides of your body. When rated conditions affect both arms, both legs, or paired skeletal muscles, VA first combines those ratings. Then it adds 10 percent of that combined value before combining it with your other ratings. This rule comes from 38 CFR 4.26.
2026 VA Disability Rates (Monthly)
These are VA's official monthly payments, effective December 1, 2025. At 10% and 20%, payment is the same with or without dependents.
| Rating | Veteran alone | Veteran with spouse (no children or parents) |
|---|---|---|
| 10% | $180.42 | $180.42 |
| 20% | $356.66 | $356.66 |
| 30% | $552.47 | $617.47 |
| 40% | $795.84 | $882.84 |
| 50% | $1,132.90 | $1,241.90 |
| 60% | $1,435.02 | $1,566.02 |
| 70% | $1,808.45 | $1,961.45 |
| 80% | $2,102.15 | $2,277.15 |
| 90% | $2,362.30 | $2,559.30 |
| 100% | $3,938.58 | $4,158.17 |
Children, parents and Aid and Attendance add more; the calculator above includes them. Source: VA compensation rates on VA.gov.
When Will 2027 VA Disability Rates Be Published?
VA publishes updated compensation rates each year, effective December 1.
The 2027 cost-of-living adjustment is confirmed at 3.6 percent, matching the Social Security COLA, and takes effect with December 1, 2026 payments.
VA had not posted the 2027 rate tables as of early November 2026.
VA Disability Calculator FAQs
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Words to know
Last updated September 2026. For general information only, not legal or medical advice.
Sources: VA: About disability ratings · VA: Disability compensation rates
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