Understand Your VA Disability Rating
Calculate Your Combined Rating.
Estimate Your Monthly Compensation.
Plan Your Benefits Strategy with Confidence.
Serving All Who Served
Why This Calculator Matters to Veterans
Save Hours
Stop trying to decode VA Math by hand. Get accurate results instantly.
Know Your Worth
See exact monthly compensation including dependents and SMC.
Plan Your Claim
Understand how conditions combine before filing or appealing.
Avoid Mistakes
Verify VA calculations and catch errors that delay your benefits.
✅ What This Calculator Does
- ✓ Calculates combined disability ratings using official VA Math
- ✓ Estimates monthly compensation with current 2026 rates
- ✓ Includes dependent pay (spouse, children, parents)
- ✓ Calculates Special Monthly Compensation (SMC) estimates
- ✓ Explains bilateral factor for paired disabilities
- ✓ Shows step-by-step calculation breakdown
- ✓ Saves and loads your calculations for reference
❌ What This Calculator Doesn't Do
Important for your protection
- ✗ We are NOT VA-accredited representatives
- ✗ We do NOT file claims on your behalf
- ✗ We do NOT guarantee VA outcomes
- ✗ We do NOT provide legal or medical advice
- ✗ We do NOT replace consultation with a VSO
- ✗ This is NOT an official VA determination
Always consult with a Veterans Service Officer (VSO) or accredited claims agent for official guidance. Call VA Benefits: 1-800-827-1000
How It Works - 3 Simple Steps
Get your estimate in under 2 minutes
Enter Your Ratings
Add each service-connected disability percentage from your VA decision letter. Mark any bilateral disabilities (both arms, both legs, etc.).
Add Dependents & SMC
Enter family information (spouse, children, parents) and any Special Monthly Compensation conditions that apply to you.
View Your Results
See your combined rating, estimated monthly compensation, and a detailed breakdown. Save or print for your records.
Understanding Your VA Benefits
What your rating means for your benefits package
Monthly Compensation
10%-100%: Tax-free monthly payments. Rates increase with dependents.
VA Healthcare
10%+: Priority Group eligibility. 50%+ get free care for all conditions.
VA Home Loan
10%+: Waived funding fee. Save thousands on home purchase.
Vocational Rehab
20%+: Education, training, job placement assistance (Chapter 31).
Dental Care
100% P&T: VA dental for all conditions. 10%+ for service-connected dental.
CHAMPVA
100% P&T: Health insurance for spouse and dependents.
DEA/Chapter 35
100% P&T: Education benefits for spouse and children.
Property Tax Exemption
Varies by state: Many states exempt 100% P&T veterans from property tax.
Aid & Attendance (SMC)
Qualifying disabilities: Additional $4,900+ monthly for daily care needs.
Auto/Housing Grants
Specific disabilities: Up to $124K for adapted housing, $30K for vehicle.
Prescriptions
50%+: All prescriptions free. 0-40%: $11 copay.
Commissary/Exchange
All ratings: Access to military base shopping privileges.
P&T = Permanent and Total. This means your disability is rated at 100% and not expected to improve. P&T status unlocks additional benefits beyond just the rating percentage. Not all 100% ratings are P&T - consult your decision letter or VSO.
Disability Ratings
Enter your individual disability ratings. They will be combined using VA Math.
Bilateral Factor
Select bilateral disabilities (affecting both sides of the body) for additional consideration.
If you have disabilities affecting both arms, both legs, or paired skeletal muscles, the VA applies an additional 10% of the combined value of those disabilities before combining with other ratings.
No ratings added yet. Add ratings above to mark them as bilateral.
Dependents & Family Information
Add dependent information to calculate additional compensation (30% rating or higher)
Veterans with a 30% or higher disability rating receive additional monthly compensation for spouses, children, and dependent parents. The amount increases at 50%, 60%, 70%, and 100% ratings.
Children under age 18, or under 23 if in school
Children over 18 who became disabled before age 18
Parents who are financially dependent on you
Special Monthly Compensation (SMC)
Additional compensation for severe disabilities
SMC provides additional compensation beyond the standard disability rating for specific severe disabilities. Select all that apply. This is a complex area - consult with a VSO for accurate determinations.
Note: SMC calculations are complex and depend on multiple factors. This calculator provides estimates based on common SMC levels. For accurate SMC determinations, consult with a Veterans Service Officer or accredited claims agent.
Combined Disability Rating & Compensation
Your calculated VA disability rating and monthly payment
How VA Math Works
The VA doesn't simply add disability percentages. Instead, they use a formula based on "whole person" efficiency. Each disability reduces your remaining efficiency, not your total efficiency.
Example:
Important Notes:
- Always enter ratings highest to lowest for the most accurate calculation
- The final result is rounded to the nearest 10% (.5 or higher rounds up)
- Individual ratings must be divisible by 10 (0, 10, 20, 30, etc.)
- Bilateral disabilities receive an additional 10% consideration before final calculation
- This calculator is for estimation purposes only - the VA makes official determinations