VA Combined Rating Calculator

Frequently Asked Questions

How does VA combined rating work?

The VA uses a "whole person" method rather than simple addition. Each additional rating is applied to the remaining non-disabled portion of the veteran. For example, a 50% rating means 50% disabled and 50% remaining. A second 30% rating applies to that 50% remaining, adding 15%, for a combined 65%. The VA then rounds to the nearest 10%.

Why isn't VA combined rating simple addition?

Federal law (38 CFR § 4.25) requires the "whole person" method because the VA considers the impact of each disability on what remains of the veteran's overall health. Two conditions affecting the same body cannot each take 100% of the whole person. This often surprises veterans who expect their ratings to simply add together.

What is the bilateral factor in VA ratings?

The bilateral factor (38 CFR § 4.26) applies when a veteran has service-connected disabilities affecting both paired extremities — both arms, both legs, or one arm and one leg. The VA combines the bilateral ratings first, then adds 10% of that combined value as a bonus before combining with remaining ratings. This accounts for the additional hardship of impairment on both sides of the body.

How do I use this VA rating calculator?

Enter your service-connected disability ratings using the dropdowns. You can add as many ratings as you have. The calculator automatically applies the official VA combined rating formula and shows your estimated rounded rating and 2026 monthly compensation. Use the 'Show me the math' section to see every step. Toggle 'Advanced: Bilateral Factor' if you have paired-limb disabilities.

What is Special Monthly Compensation (SMC)?

Special Monthly Compensation (SMC) is additional tax-free compensation for veterans with certain severe disabilities, such as loss of use of a limb or the need for aid and attendance. SMC levels range from SMC-K (smallest increment) through SMC-T (highest). This calculator includes an SMC estimator to show if you may qualify.