Free tool
VA disability calculator
Combine your ratings the way the VA does — with the official Combined Ratings Table — and see the current 2026 monthly payment.
This is the math on the ratings you enter — not a prediction of what VA will decide.
Your ratings
Pick a percentage, add it to your list, and repeat for each rated condition.
Add a rating
Only choose an arm or leg if this condition is in one. It is fine to leave this on "No."
No ratings yet. Pick a percent above and tap "Add rating."
Your result
Add at least one rated condition to see your combined rating.
The math
How VA combines ratings
Why doesn't 50% + 30% = 80%?
VA ratings are not added. The VA uses the Combined Ratings Table (38 CFR §4.25): it treats you as a whole person and combines each rating against the ability you have left.
Combine two at a time, highest first. 50% leaves 50% of ability; 30% of that remaining 50% is 15, so 50 and 30 combine to 65. Each pairwise value comes from Table I (a whole number), carried forward exactly.
Only at the very end is the combined value rounded to the nearest 10% — so 65 becomes a 70% combined rating. Paired arms or legs get a §4.26 bilateral factor (10% of that group) before the final combine.
How VA math works
The ideas behind the numbers
People search for this in a lot of ways. Here is the plain-language version of each piece.
VA math (or "VA fuzzy math")
VA does not add your ratings. It combines them, so two ratings always add up to less than the plain total. That is why the result can feel like "fuzzy math."
The combined ratings table
VA uses an official method (38 CFR §4.25) to combine ratings one at a time. This tool follows that same method and shows each step.
The bilateral factor
When both sides of the body are affected — both arms, both legs, or an arm and a leg — VA adds a small extra factor (38 CFR §4.26) before combining. Just mark the limb and the tool handles it.
Rounding to the nearest 10%
After combining, VA rounds the final number to the nearest 10%. A combined 95% or higher rounds up to a 100% rating.
FAQ
Common questions
Is this an official VA calculator?
No. It uses the official §4.25 Table-I method and the current VA.gov 2026 rates, but it is an educational tool, not a VA system and not a promise of any rating or payment.
Does it include dependents?
The monthly figure shown is for a veteran with no dependents. If you have a spouse, children, or dependent parents, your payment is higher — check the official VA.gov rate tables for your exact situation.
What is the bilateral factor?
Under 38 CFR §4.26, disabilities of both arms, both legs, or paired skeletal muscles are combined and then get an extra 10% added before combining with your other conditions. Select the correct arm/leg so the calculator applies it.
How do I reach 100%?
Enter your ratings and the calculator shows the smallest single additional rating that would round you to a 100% combined (schedular) rating. Reaching 95 combined rounds up to 100%.
Keep organizing
Organizing a claim for a specific condition?
Browse conditions by body system — the same groups the VA rating schedule uses — to see plain-language help for your area. The categories are a map, not a limit.
Popular guides
Educational tool only. ClaimAnchor is not the VA and is not affiliated with the U.S. Department of Veterans Affairs. This calculator does the math on ratings you enter and does not predict any decision, eligibility, or outcome. Nothing here is legal, medical, or financial advice. Always confirm amounts with VA.