VA Disability Calculator
Combine up to five disability ratings with the VA whole-person formula and estimate your monthly tax-free compensation. Everything runs in your browser. Nothing is sent anywhere.
The VA does not add disability ratings together. It combines them using the whole-person formula: each rating applies only to the percentage of health you have left, the result is rounded to the nearest 10%, and then your 2026 monthly pay is set by the official VA compensation rate for that rating and your dependent status. A 100% rating pays $3,938.58 per month for a veteran alone.
Calculate your combined rating and pay
Figures current as of October 2026 - Source: U.S. Department of Veterans Affairs (va.gov), 2026 rates effective December 1, 2025.
How the math worked
This is an estimate for planning only, not legal or benefits advice. The VA applies the official Combined Ratings Table, bilateral factors, and dependency rules to your actual claim. Always verify your amount with the VA at va.gov before making decisions.
Learn how VA disability works
2026 VA Disability Compensation Rate Table
Every figure below is from the official VA rate tables (effective December 1, 2025). At 10% and 20%, the VA pays a flat rate with no dependent additions: 10% pays $180.42 and 20% pays $356.66 per month. Dependency additions begin at a 30% rating.
Compensation rates for Veterans with a 30% to 60% disability rating (2026)
| Dependent status | 30% | 40% | 50% | 60% |
|---|---|---|---|---|
| Veteran alone (no dependents) | $552.47 | $795.84 | $1,132.90 | $1,435.02 |
| With spouse (no parents or children) | $617.47 | $882.84 | $1,241.90 | $1,566.02 |
| With spouse and 1 parent (no children) | $669.47 | $952.84 | $1,329.90 | $1,671.02 |
| With spouse and 2 parents (no children) | $721.47 | $1,022.84 | $1,417.90 | $1,776.02 |
| With 1 parent (no spouse or children) | $604.47 | $865.84 | $1,220.90 | $1,540.02 |
| With 2 parents (no spouse or children) | $656.47 | $935.84 | $1,308.90 | $1,645.02 |
| Veteran with 1 child only (no spouse or parents) | $596.47 | $853.84 | $1,205.90 | $1,523.02 |
| With 1 child and spouse (no parents) | $666.47 | $947.84 | $1,322.90 | $1,663.02 |
| With 1 child, spouse, and 1 parent | $718.47 | $1,017.84 | $1,410.90 | $1,768.02 |
| With 1 child, spouse, and 2 parents | $770.47 | $1,087.84 | $1,498.90 | $1,873.02 |
| With 1 child and 1 parent (no spouse) | $648.47 | $923.84 | $1,293.90 | $1,628.02 |
| With 1 child and 2 parents (no spouse) | $700.47 | $993.84 | $1,381.90 | $1,733.02 |
| Added amount | 30% | 40% | 50% | 60% |
|---|---|---|---|---|
| Each additional child under age 18 | $32.00 | $43.00 | $54.00 | $65.00 |
| Each additional child over age 18 in a qualifying school program | $105.00 | $140.00 | $176.00 | $211.00 |
| Spouse receiving Aid and Attendance | $61.00 | $81.00 | $101.00 | $121.00 |
Compensation rates for Veterans with a 70% to 100% disability rating (2026)
| Dependent status | 70% | 80% | 90% | 100% |
|---|---|---|---|---|
| Veteran alone (no dependents) | $1,808.45 | $2,102.15 | $2,362.30 | $3,938.58 |
| With spouse (no parents or children) | $1,961.45 | $2,277.15 | $2,559.30 | $4,158.17 |
| With spouse and 1 parent (no children) | $2,084.45 | $2,417.15 | $2,717.30 | $4,334.41 |
| With spouse and 2 parents (no children) | $2,207.45 | $2,557.15 | $2,875.30 | $4,510.65 |
| With 1 parent (no spouse or children) | $1,931.45 | $2,242.15 | $2,520.30 | $4,114.82 |
| With 2 parents (no spouse or children) | $2,054.45 | $2,382.15 | $2,678.30 | $4,291.06 |
| Veteran with 1 child only (no spouse or parents) | $1,910.45 | $2,219.15 | $2,494.30 | $4,085.43 |
| With 1 child and spouse (no parents) | $2,074.45 | $2,406.15 | $2,704.30 | $4,318.99 |
| With 1 child, spouse and 1 parent | $2,197.45 | $2,546.15 | $2,862.30 | $4,495.23 |
| With 1 child, spouse and 2 parents | $2,320.45 | $2,686.15 | $3,020.30 | $4,671.47 |
| With 1 child and 1 parent (no spouse) | $2,033.45 | $2,359.15 | $2,652.30 | $4,261.67 |
| With 1 child and 2 parents (no spouse) | $2,156.45 | $2,499.15 | $2,810.30 | $4,437.91 |
| Added amount | 70% | 80% | 90% | 100% |
|---|---|---|---|---|
| Each additional child under age 18 | $76.00 | $87.00 | $98.00 | $109.11 |
| Each additional child over age 18 in a qualifying school program | $246.00 | $281.00 | $317.00 | $352.45 |
| Spouse receiving Aid and Attendance | $141.00 | $161.00 | $181.00 | $201.41 |
How VA disability math actually works
VA ratings do not add up the way most people expect. If you have a 50% rating and a 30% rating, your combined rating is not 80%. The VA uses what it calls the whole-person theory, written into federal regulation at 38 CFR 4.25. It starts from the idea that a person cannot be more than 100 percent able-bodied, so each new disability can only affect the health you still have left.
The math works like this. Sort your ratings from highest to lowest. Take the highest rating first: with a 50% rating, you are considered 50% efficient, which leaves 50% remaining. Apply the next rating to what is left: 30% of the remaining 50% equals 15 percentage points, so the running total becomes 65%. A third rating applies to the 35% still remaining, and so on down the list. Mathematically, the combined value equals 1 minus the product of (1 minus each rating).
Once every rating is combined, the VA rounds the result once, at the end, to the nearest 10%. A combined value of 65% becomes 70%, and a combined value ending in 5 always rounds up. A value of 64% becomes 60%. That rounded number is your combined disability rating, and it decides which row of the pay chart you land on.
Your monthly check then depends on two more things: your dependent status and the official rate tables. Veterans at 10% and 20% receive a flat amount no matter their family situation. Starting at 30%, a spouse, children, or dependent parents raise the amount, with added amounts for each additional child. Every rate on this page is the 2026 VA rate, effective December 1, 2025, taken directly from va.gov.