VA Disability Rating Calculator (Combined)

Veterans carrying several service-connected conditions need a way to translate individual ratings into the single combined figure the VA actually pays on. That combined rating drives your monthly compensation, and the 2026 rates carry the newest cost-of-living adjustments. To put the stakes in perspective, a 100% rating pays $3,938.58 a month in 2026 to a veteran with no dependents.

Rather than summing percentages, the VA works from a 'Combined Rating Table' paired with a defined rounding step: ratings are taken from the highest down, each one applied only to the share of you still rated as whole, and the combined value is rounded to the nearest 10%, with a value ending in 5 or more rounding up. That is what this tool does. It does not apply the bilateral factor. Under 38 CFR 4.26, when both arms, both legs or paired skeletal muscles carry compensable ratings, the VA combines those ratings, adds 10% of the result, and treats the total as one rating before combining the rest, so with ratings on paired limbs the VA's figure can be higher than the one shown here.

The trap many people fall into is adding their percentages straight across; the VA's system is never additive and always builds outward from your single highest rating. Because the calculator leaves the bilateral factor out, check whether any of your ratings are on paired limbs, since the factor can lift the final number. Rounding decides the edge cases too: a 74% combined rating settles at 70%, while a 75% rating climbs to 80%.