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VA Disability Calculator (2026)
Enter each of your disability ratings below. The VA doesn't add your ratings — it combines them under 38 CFR §4.25, then rounds to the nearest 10%. This calculator does that math and shows your estimated 2026 monthly compensation, adjusted for dependents.
Combined rating
70%
$1,808/mo · tax-free
tax-free, every single month
Your ratings
Add each condition's rating — the VA combines them, it doesn't add them.
Dependents
This is the math — the free builder turns it into your real claim, with drafted statements and filled forms.
See what this means in your state
Pick your state to see the benefits a 70% rating unlocks.
Why the VA combines ratings instead of adding them
This is the part that trips up most veterans. Two 50% ratings don't make 100% — they make 75%, which rounds to 80%. The VA treats your first rating as a percentage of the “whole” you, then applies each additional rating only to what's left. A veteran who is 50% disabled is considered 50% able; a second 50% rating applies to that remaining half (25 more), for 75 combined → rounded to 80%.
How the math works (38 CFR §4.25)
- Order your ratings highest to lowest.
- Combine the top two:
A + B × (100 − A) ÷ 100. - Combine that result with the next rating, and so on.
- Round the final number to the nearest 10%.
Conditions affecting paired limbs (both knees, both arms) can earn an extra 10% “bilateral factor” under §4.26. Dependent additions (spouse, children, parents) start at the 30% level.
Beyond the claim
The rating is step one. The civilian life it's meant to fund is the real fight.
Most veterans leave service without the one thing that lands the job, the offer, or the rating: preparation built for the civilian side. That's what Beyond the Claim is for.
Career Translator
Nearly 1 in 3 veterans is underemployed after service — usually a résumé that never translated the military career into corporate language. We do the translation.
Job Interview Prep
About 44% of veterans leave their first civilian job within a year — a prep-and-fit problem, not a skills one. Practice the exact interview before it counts.
C&P Exam Prep
The gap between a 30% and a 70% rating is more than $1,200 a month — your C&P exam decides which. Walk in ready.
Figures use the 2026 VA compensation rates (effective Dec 1, 2025) and are illustrative estimates, not a guarantee of any outcome. ItsYourBenefits is not affiliated with the VA and is not an accredited representative. To turn this into a real, filed claim, build it free with our claim tool.