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2026 Combined Rating & Pay Calculator

Enter your VA disability ratings and get the official combined result in seconds — the true unrounded percentage, the rounded VA rating, the points you need to reach the next tier, and your tax-free 2026 monthly pay with dependents. Runs entirely in your browser.

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Your disabilities

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Ratings are auto-sorted highest → lowest. VA math is additive only to the % of “remaining person” left after each rating — it is never a straight sum of percentages.

Your combined rating

Official VA rating

70%

True unrounded

68.5%

Rounded to nearest 10% (5s round up)

Distance to 80%

6 points to 80%

Table value 69% vs 75% needed to round up to 80%. A single new 20% claim would close the gap.

How the VA math works (step by step)
  1. Ratings sorted: 50% → 30% → 10%
  2. Combine 30% against remaining efficiency: 100% − 50% = 50% of the person left. 30% of that 50% = 15%. Table total: 50% → 65%. Running exact: 65.0%.
  3. Combine 10% against remaining efficiency: 100% − 65% = 35% of the person left. 10% of that 35% = 3.5%. Table total: 65% → 69%. Running exact: 68.5%.
  4. Combined table value 69% rounds to the nearest 10% → 70% (values ending in 5 round up).

2026 monthly pay

Tax-free · Dec 1, 2025 rates
Quick set
Children under 18
0
School children 18–23
0
Dependent parents
0

Estimated monthly payout

$1,808.45

at a 70% rated disability · tax-free monthly · $1,808.45 veteran-alone base

  • Veteran alone base: $1,808.45

Payments come from the official 2026 VA compensation tables (effective December 1, 2025). Educational estimate only — always verify on VA.gov.

🔒 100% on-device — nothing you type is sent, stored, logged, or tracked.

How “VA math” works

The VA does not add your disability ratings together. A veteran with a 50%, 30%, and 10% rating is not 90% disabled on paper — the combined result is closer to 69% (unrounded), which rounds to 70%. That is because each new rating is applied only to the percentage of the “whole person” that remains after the higher ratings are subtracted:

Start from 100% efficiency. Apply the highest rating first — 50% leaves 50% efficiency. The 30% then applies to that remaining 50%, contributing 15 points (65% combined, 35% left). The 10% applies to the 35%, adding 3.5 points. Final table value ≈ 69%, which rounds to the nearest 10% → 70%.

The gap to your next tier

Because compensation rounds to the nearest 10% (values ending in 5 round up), you rarely need a full 10 additional points to reach the next bracket. If your table value is 69%, only 6 points are needed to cross the 75% threshold that rounds up to 80% — and in many cases a single new disability rating gets you there. The meter above computes exactly how far you are from the next tier.

What your rating pays

Once the rating rounds, monthly compensation follows the official 2026 VA disability tables (effective December 1, 2025). Spouse, children, school-age dependents, dependent parents, and Spouse Aid & Attendance add to the base veteran-alone rate at 30% and above — 10% and 20% ratings do not include dependent increases.

Privacy by design

This calculator is 100% client-side. Ratings and dependent selections live only in this browser tab, are never sent to a server, and are not stored, logged, or tracked. Close the tab and everything is gone.

K.I.S.S. Mode

Tap K.I.S.S. Mode in the header to switch the whole site to a high-contrast, minimalist monochrome view — black on white, zero accent colors, zero motion. Your preference is saved only in your own browser.

Educational estimate, not a VA decision

This is an informational tool. Confirm your final rating, effective date, and dependent status on your decision letter or with the Department of Veterans Affairs. See the combined ratings guide or the bilateral factor guide for worked examples.