VA-Disability-Calc.com

Free VA Benefits Calculators for Veterans

Estimate your VA disability combined rating, monthly compensation, and related benefits with free, private, client-side calculators built for veterans and caregivers.

Open Combined Rating Calculator View 2026 Pay Chart

What this VA disability calculator site does

Understanding VA disability math can feel confusing — ratings are not added the way most people expect, pay tables change yearly, and programs like TDIU, SMC, and P&T have their own rules. VA-Disability-Calc.com gives you clear, free tools to estimate outcomes before you talk with the VA or a VSO. Every calculator runs in your browser; we do not store claim data in a database.

Free VA benefits calculators

All tools below are live — ratings, pay, eligibility, and home loan estimates.

Calculate combined rating

VA Combined Rating Calculator

Live

Calculate your VA combined disability rating using the official whole person method and see estimated monthly pay.

Open calculator →

VA Back Pay Calculator

Live

Estimate how much VA disability back pay you may be owed based on your effective date and rating.

Open calculator →

TDIU Eligibility Checker

Live

Check whether you may qualify for Total Disability based on Individual Unemployability (TDIU).

Open calculator →

SMC Calculator

Live

Estimate Special Monthly Compensation levels for veterans with severe disabilities or loss of use.

Open calculator →

VA Disability Pay Chart

Live

View current VA disability compensation rates by percentage rating for veterans and dependents.

Open calculator →

VA Effective Date Calculator

Live

Understand how VA effective dates work and estimate when your benefits may start.

Open calculator →

Permanent & Total Eligibility Checker

Live

Learn what Permanent and Total (P&T) status means and when veterans may qualify.

Open calculator →

VA Home Loan Calculator

Live

Estimate VA home loan payments, funding fee scenarios, and buying power for veteran buyers.

Open calculator →

VA disability calculator FAQ

How does the VA combined rating calculator work?+

The VA does not add disability ratings together with simple math. Instead, it uses a “whole person” approach: your highest rating is applied first, then each additional rating is applied only to the remaining percentage of efficiency. The final figure is rounded to the nearest 10%. Our live combined rating calculator walks through each step so you can see exactly how the VA arrives at a number.

What is the VA disability pay rate for 2026?+

For a single veteran with no dependents, 2026 monthly rates range from $175.51 at 10% to $3,831.30 at 100%. For example, 50% is $1,102.04 and 70% is $1,759.18. Dependent rates are higher. Use our pay chart and combined rating tools to estimate your compensation band.

Can I get 100% if my ratings do not add up to 100?+

Yes — because of rounding and special programs. Multiple ratings can round to 100%, and veterans who cannot work due to service-connected disabilities may qualify for TDIU, which pays at the 100% rate even if the schedular rating is lower. Permanent and Total (P&T) status is a separate determination about whether disabilities are expected to improve.

What is VA back pay?+

Back pay (retroactive benefits) is compensation owed from your effective date up to the date the VA starts paying you regularly. The amount depends on your rating history, effective date rules, and whether dependents were added. Our upcoming back pay calculator will help estimate that figure.

Is this site affiliated with the Department of Veterans Affairs?+

No. VA-Disability-Calc.com is an independent educational resource. Our calculators are for estimation only. Always verify your benefits with the VA or an accredited Veterans Service Officer (VSO).

Ready to estimate your rating?

Use the VA combined rating calculator to see how multiple disabilities combine, what the VA rounds to, and what that means for 2026 monthly pay.

Start calculating About this site