Calculate Your Combined VA Rating & Pay
Add each rated condition, mark bilateral pairs, and enter your dependents. We apply real VA Math (38 CFR 4.25), the bilateral factor, and the official 2026 pay tables — step by step, right in your browser.
Your Disabilities
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Dependents
Spouse
Adds pay at 30%+ rating
Children under 18
Dependent minor children
Children in school (18–23)
Qualifying school program
Dependent parents
Financially dependent (max 2)
Combined Rating
Est. Monthly Pay (2026)
$0
Est. Annual Pay
$0
VA Math Breakdown
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How the VA Disability Calculator Works
This free calculator estimates your combined VA disability rating and 2026 monthly compensation. Enter each service-connected condition with its individual rating (10% through 100%), mark paired conditions as bilateral, and add your dependents. The tool applies VA Math (38 CFR 4.25) to combine the ratings, adds the bilateral factor (38 CFR 4.26) when applicable, looks up your pay from the official 2026 rate tables, and shows whether you meet P&T or SMC criteria.
Understanding VA Math (38 CFR 4.25)
VA Math is the official method the Department of Veterans Affairs uses to combine multiple disability ratings into a single "combined" percentage. It is not simple addition because a person cannot be more than 100% disabled. Instead, each rating is applied to the remaining "whole person" efficiency.
For example, a 50% rating and a 30% rating do not add to 80%. The 50% is applied first, leaving 50% efficiency. The 30% is then applied to that remaining 50% — which is 15 percentage points — for a combined raw value of 65%. VA rounds to the nearest 10%, so 65% becomes 70%. Our calculator shows every one of these steps so you can see exactly how your rating is built.
The Bilateral Factor (38 CFR 4.26)
When you have disabilities on opposite sides of your body — such as a left knee and a right knee, or bilateral shoulder conditions — VA applies a 10% "bilateral factor" bonus. The paired ratings are combined together first, then 10% of that combined value is added before folding everything into your overall rating. Mark any two or more conditions as bilateral pairs and the calculator applies the factor automatically.
P&T and Special Monthly Compensation
Permanent and Total (P&T) status is generally granted when your combined rating is 100%, or when your combined rating is 70% or higher with at least one individual disability rated 60% or more. P&T locks in your benefits and extends education and health-care eligibility to your dependents.
Special Monthly Compensation (SMC) is additional tax-free pay for severe losses or the need for aid and attendance. A combined rating of 100%, or any single disability rated 100%, typically triggers an SMC review. Full SMC tier math is available in the mobile app.
How to Calculate Your Combined VA Rating (Step by Step)
- List each service-connected condition. Write down every condition the VA has rated, with its individual disability percentage (10% through 100%).
- Sort ratings highest to lowest. Order the percentages from largest to smallest. VA Math always applies the biggest rating first.
- Apply each rating to remaining efficiency. Start at 100% "whole person" efficiency. Apply the highest rating, then apply the next rating to whatever efficiency remains (100% minus what is already taken), and repeat for every condition.
- Add the bilateral factor. If you have paired conditions on both sides of your body (for example a left and right knee), combine those paired ratings together and add 10% of that combined value before folding it into your overall rating.
- Round to the nearest 10%. Take the combined raw percentage and round to the nearest 10% (a .5 always rounds up). That is your official combined rating.
- Look up your 2026 pay. Use your combined rating and dependent status (spouse, children, parents) to find your monthly compensation in the official 2026 VA rate table.
2026 VA Disability Pay Rates
Monthly rates effective December 1, 2025 (2.8% COLA). Figures are tax-free.
| Rating | Veteran Alone | With Spouse | 1 Child | Spouse + 1 Child |
|---|---|---|---|---|
| 10% | $180.42 | $180.42 | $180.42 | $180.42 |
| 20% | $356.66 | $356.66 | $356.66 | $356.66 |
| 30% | $552.47 | $617.47 | $596.47 | $666.47 |
| 40% | $795.84 | $882.84 | $853.84 | $947.84 |
| 50% | $1,132.90 | $1,241.90 | $1,205.90 | $1,322.90 |
| 60% | $1,435.02 | $1,566.02 | $1,523.02 | $1,663.02 |
| 70% | $1,808.45 | $1,961.45 | $1,910.45 | $2,074.45 |
| 80% | $2,102.15 | $2,277.15 | $2,219.15 | $2,406.15 |
| 90% | $2,362.30 | $2,559.30 | $2,494.30 | $2,704.30 |
| 100% | $3,938.58 | $4,158.17 | $4,085.43 | $4,318.99 |
Extra Allowances (added to the base rate)
| Allowance | 30% | 40% | 50% | 60% | 70% | 80% | 90% | 100% |
|---|---|---|---|---|---|---|---|---|
| Each additional child under 18 | $32.00 | $43.00 | $54.00 | $65.00 | $76.00 | $87.00 | $98.00 | $109.11 |
| Each child in school (age 18–23) | $105.00 | $140.00 | $176.00 | $211.00 | $246.00 | $281.00 | $317.00 | $352.45 |
| Spouse receiving Aid & Attendance | $61.00 | $81.00 | $101.00 | $121.00 | $141.00 | $161.00 | $181.00 | $201.41 |
| Each dependent parent | $52.00 | $70.00 | $88.00 | $105.00 | $123.00 | $140.00 | $158.00 | $176.24 |
Frequently Asked Questions
How does VA Math combine multiple ratings?
What is the bilateral factor?
Why is my combined rating not just the sum of my conditions?
Do dependents increase my VA pay at 10% or 20%?
What does 100% P&T mean?
What is Special Monthly Compensation (SMC)?
Need more than a quick estimate?
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