VA Disability Rating Combiner Calculator
Free, no-login, no-tracking calculator for VA combined disability ratings. Uses the official 38 CFR § 4.25 combined-rating formula with bilateral factor support and 2026 monthly pay calculation.
Your Disabilities
Enter each individual disability rating (10, 20, 30, 40, 50, 60, 70, 80, 90, or 100). Toggle "bilateral" if the disability affects a paired body part (arms, legs, eyes, ears, kidneys, lungs).
Dependents (for monthly pay)
How VA Combined Ratings Work
VA uses a multiplicative formula from 38 CFR § 4.25, not addition. Each new disability impacts only the "remaining able-bodied" portion. Steps:
- Sort highest to lowest. Rate the highest disability first.
- Subtract from 100% to get "able-bodied" remaining. If first disability is 60%, you're 40% able-bodied.
- Apply next disability to remaining. If next is 30%, you remove 30% × 40% = 12% more. Now 28% able-bodied.
- Repeat. Continue until all disabilities applied.
- Round to nearest 10%. 64% rounds to 60%. 65% rounds to 70%.
- Bilateral factor. Before combining bilateral disabilities (paired body parts), add 10% bonus to their COMBINED rating. Then combine with non-bilateral.
2026 Monthly VA Disability Pay
Effective Dec 1, 2025 → Nov 30, 2026. Tax-FREE. From 38 U.S.C. § 1114 + annual COLA.
| Rating | Veteran alone | Veteran + spouse | + each child < 18 |
|---|---|---|---|
| 10% | $175.51 | $175.51 | +$0.00 |
| 20% | $346.95 | $346.95 | +$0.00 |
| 30% | $537.42 | $597.47 | +$36.79 |
| 40% | $774.16 | $854.23 | +$49.06 |
| 50% | $1,102.04 | $1,202.12 | +$61.32 |
| 60% | $1,395.93 | $1,516.02 | +$73.59 |
| 70% | $1,759.19 | $1,899.29 | +$85.85 |
| 80% | $2,044.89 | $2,205.01 | +$98.12 |
| 90% | $2,297.96 | $2,478.09 | +$110.38 |
| 100% | $3,946.25 | $4,146.39 | +$122.65 |
Frequently Asked Questions
Why doesn't VA use simple addition for combined ratings?
VA reasoning: a person can only be 100% disabled. After your first disability rates you at 50% disabled (50% remaining able-bodied), a second 30% disability impacts only the remaining 50%, contributing 15% additional. So 50% + 30% = 50% + (30% × 50%) = 65%. This is rounded to the nearest 10% per 38 CFR § 4.25.
What is the bilateral factor?
When you have disabilities affecting paired body parts (arms, legs, eyes, ears, kidneys, lungs, etc.), the VA adds a 10% bonus to those ratings before combining. The combined bilateral pair is then re-combined with non-bilateral ratings.
How does the rating round?
After combining, the result rounds to the nearest 10%. 64% rounds to 60%; 65% rounds to 70%. This is set by 38 CFR § 4.25.
Can my combined rating exceed 100%?
No, schedular ratings cap at 100%. However, you may be entitled to Special Monthly Compensation (SMC) ABOVE 100% for qualifying conditions — see /calculator/smc-eligibility.
Why am I rated 90% but my disabilities add up to more?
The combined rating formula is multiplicative, not additive. As your rating climbs, each new disability has a smaller marginal effect. This is why getting from 90% to 100% schedular requires a major increase or a combination that crosses the rounding threshold.
Should I file for an increase or a new claim?
If your existing condition has worsened: file an increase claim. If you have a new disability not yet rated: file a new claim. Both can be filed simultaneously. See /howto/file-pact-claim or contact a free CVSO via /howto/find-cvso.
Related Tools & Resources
- Full 2026 VA disability pay chart — all ratings, all dependent combinations
- SMC (Special Monthly Compensation) eligibility — for ratings ABOVE 100%
- File a PACT Act claim — for new presumptive conditions
- Find a free CVSO — file an increase claim at no cost
- TDIU vs 100% Schedular comparison
About This Calculator
This calculator implements the official VA combined-rating formula from 38 CFR § 4.25 with bilateral factor support per § 4.26. All math is client-side JavaScript — no data leaves your browser. Ratings and 2026 pay rates verified against VA.gov as of 2026-05-04. Wounded Warriors is a Texas 501(c)(3) public charity (EIN 86-1336741, IRS ruling year 2021). This calculator is informational only and does not replace official VA decisions.