VA DISABILITY CALCULATOR

Estimate Your Combined VA Rating

Estimate your combined VA disability rating, including the bilateral factor, and see what that rating pays each month based on 2026 VA compensation rates. The VA does not simply add your ratings together — it combines them, so two 50% ratings do not equal 100%.

1
Add your ratings

For an arm or leg condition, tap the limb first, then tap the rating. For anything else, just tap the rating. Ratings on both the left and right side get the bilateral factor automatically.

No ratings added yet. Tap a percentage above to start.

2
Add your dependents

Based on VA compensation rates effective December 1, 2025 (2026 rates).

YOUR ESTIMATE
0%COMBINED
0% disability rating, rounded to 0%
ESTIMATED MONTHLY PAY
$0.00

2026 VA rates, effective December 1, 2025.

How combined VA disability ratings are calculated

The VA uses what is often called "VA math." It starts with the assumption that you are 100% healthy, applies your highest rating first, and then applies each remaining rating only to the portion of you that is still considered healthy.

  1. 1Apply your highest rating. A 50% rating leaves 50% remaining healthy capacity.
  2. 2Apply the next rating to what remains. A 30% rating applied to the remaining 50% adds 15%, for a running total of 65%.
  3. 3Repeat for every additional rating.
  4. 4Round the final figure to the nearest 10%. 65% rounds to 70%.

This is why adding a small rating to an already high combined rating often moves the total very little, and why the order and value of each individual rating matters so much when you are building a claim.

What the bilateral factor is

When you have service-connected disabilities affecting both arms, both legs, or paired skeletal muscles, VA adds an extra 10% to recognize the added impact of losing function on both sides of the body.

  1. 1Combine the ratings within the bilateral group first.
  2. 2Add 10% of that combined value to it.
  3. 3Combine that group value with your remaining ratings.
  4. 4Round the final figure to the nearest 10%.

Example: a 30% right knee rating and a 30% left knee rating combine to 51%. The bilateral factor adds 5.1%, for a total of 56.1%, which rounds up to a 60% rating. Without the bilateral factor those same two ratings stop at 51% and round down to 50% — a real difference in both your rating and your monthly payment.

What this calculator does not include

This is an estimate for education purposes. It covers the combined rating, the bilateral factor, dependent adjustments, and SMC(k) awards, but it does not account for other special monthly compensation levels (SMC-L through SMC-R), total disability based on individual unemployability, effective dates or back pay, or offsets such as separation pay recoupment. Your official rating and payment amount are determined solely by the U.S. Department of Veterans Affairs.

Not sure your rating reflects your conditions?

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