VA Combined Rating Calculator
A VA disability calculator that does the real math - not simple addition. See your combined rating, your monthly tax-free pay at 2026 rates, and what one more claim would actually be worth.
Exact combined value: 50 - the VA rounds once, at the end.
Your Rated Conditions
Add each condition with its rating. Mark conditions that affect an arm or leg - conditions on both arms or both legs earn the bilateral factor, a 10% boost most veterans don't know about.
Showing an example (one 50% condition) - replace it with your real ratings.
Your Dependents
At a 30%+ combined rating, the VA pays more for your spouse, children, and dependent parents.
What Would One More Claim Be Worth?
Many veterans leave money unclaimed by skipping secondary conditions. Here's the real financial impact of adding one more rated condition:
| New condition rated at | New combined | Added per month | Added over 10 years |
|---|---|---|---|
| 10% | 60% | +$302.12 | +$36,254 |
| 20% | 60% | +$302.12 | +$36,254 |
| 30% | 70% | +$675.55 | +$81,066 |
| 40% | 70% | +$675.55 | +$81,066 |
| 50% | 80% | +$969.25 | +$116,310 |
Which condition would that be for you? The free scan reads your symptoms, medications, and service history and finds the claims - including secondaries - most veterans never file.
Find my missing conditions →What You Unlock at Each Level
- ✓0%Service connection itself is a win
Even at 0%: free VA healthcare and prescriptions for the service-connected condition, 10-point federal hiring preference, discounted VA dental insurance, and $30-copay non-VA urgent care. And a 0% rating can be increased later as the condition worsens.
- ✓10%Tax-free pay begins - plus the home-loan fee waiver
10% pays $180.42/month, 20% pays $356.66 - tax-free, for life. Also unlocked: the VA home loan funding fee waiver (saves thousands when buying or refinancing), Veteran Readiness & Employment (VR&E) job training, and burial benefits.
- ✓30%Dependent pay + travel reimbursement
The VA adds monthly pay for your spouse, children under 18, children 18–23 in school, and dependent parents. You also unlock mileage reimbursement for travel to VA medical appointments.
- ✓50%Priority Group 1: ALL VA healthcare becomes free
No copays for any condition - service-connected or not. Free prescriptions, hearing aids, CPAP machines, and medical equipment, plus free non-VA urgent care visits. Military retirees (20+ years): 50% is the CRDP threshold - full retirement pay AND full VA compensation, no offset.
- 60%TDIU pathway opens (single condition)
One condition rated 60%+ plus inability to hold substantially gainful employment = eligible to apply for TDIU (VA Form 21-8940) and be paid at the 100% rate.
- 70%TDIU (combined) + base access
At 70%+ combined with one condition at 40%+, the TDIU pathway opens. You also gain commissary, exchange, and MWR privileges on military bases - and many states begin partial property-tax exemptions here.
- 100%Maximum compensation - and a benefits avalanche
$3,938.58/month alone, more with dependents. Plus: full no-cost VA dental care, federal student loan forgiveness (TPD discharge), Space-A military flights, SDVI life insurance premium waiver, no-cost non-VA emergency room care, and extras like Shades of Green resort access and Disney DAS.
- P&TPermanent & Total: protection + family benefits
The VA deems your conditions static - no more re-examinations, no reduction risk. Your family unlocks CHAMPVA healthcare coverage and Chapter 35 (DEA) education benefits worth ~$50,000, and most states grant their top tier: full property-tax exemption, free plates, park passes, and hunting/fishing licenses. If your conditions won’t improve, ask the VA for P&T status explicitly.
Your Payment Grows Every Year (COLA)
COLA - the Cost-of-Living Adjustment - is an automatic raise applied to VA disability pay every December to keep up with inflation. It's the law, it requires nothing from you, and it compounds for life. The last 10 years:
10-year average: 3.1% per year. At your current $1,132.90/month, a 2.8% COLA (this year's) adds about $31.72/month - automatically, every year, on top of everything shown above.
The 2027 raise is calculated from July–September 2026 inflation and announced in mid-October 2026. Until then every figure going around is a forecast - The Senior Citizens League currently projects 3.8% (as of August 2026; they had it at 3.9% in April, so it moves). At your $1,132.90/month that would be roughly $43.05/month more.
Worth knowing, not worth planning on. The number that counts lands in mid-October 2026.