VA Disability Calculator
Combine VA disability ratings as 38 CFR 4.25 does, with the bilateral factor, and see the 2026 monthly pay alone or with a spouse, children and parents. How it works
Use the VA Disability Calculator
About the VA Disability Calculator
VA ratings are combined, not added: 50% and 30% combine to 65%, which rounds up to a 70% rating, paid at $1,808.45 a month in 2026 to a veteran with no dependents, or $2,074.45 with a spouse and one child. The VA disability calculator follows 38 CFR 4.25: ratings are taken largest first, each one applied to the efficiency that is left, and only the final value is rounded to the nearest 10, with a 5 going up. It then adds a spouse, children and dependent parents from the VA’s 2026 rate table.
Combined VA ratings worked step by step
| Ratings | Combined at each step | Before rounding | Combined rating | 2026 monthly rate, veteran alone |
|---|---|---|---|---|
| 50% and 20% | 50 → 60 | 60% | 60% | $1,435.02 |
| 50% and 30% | 50 → 65 | 65% | 70% | $1,808.45 |
| 40% and 20% | 40 → 52 | 52% | 50% | $1,132.90 |
| 40%, 40% and 10% | 40 → 64 → 68 | 68% | 70% | $1,808.45 |
| 60%, 40% and 20% | 60 → 76 → 81 | 81% | 80% | $2,102.15 |
| Five 10% ratings | 10 → 19 → 27 → 34 → 41 | 41% | 40% | $795.84 |
| 90% and 40% | 90 → 94 | 94% | 90% | $2,362.30 |
| 90% and 50% | 90 → 95 | 95% | 100% | $3,938.58 |
| 60%, 20% and a bilateral pair of 10% | 60 → 68 → 74 | 74% | 70% | $1,808.45 |
| 60%, with 70%, 20% and 10% marked bilateral | 84 → 94 → 95 | 95% | 100% | $3,938.58 |
Each running value is a whole percent, as in Table I of 38 CFR 4.25. In the second-to-last row the two 10% ratings combine to 19%, and 10% of that is added to make 21, which is then used as one rating (38 CFR 4.26). In the last row 38 CFR 4.26(d) applies: with all three in the bilateral group it is 86, and 60% brings the total to 94%, a 90% rating; leaving the 10% out of the group (70% and 20% combine to 76%, plus 10% is 84) and combining it separately gives 95%, a 100% rating, so that choice is used.
2026 VA disability compensation rates, veteran alone
| Combined rating | Monthly payment |
|---|---|
| 10% | $180.42 |
| 20% | $356.66 |
| 30% | $552.47 |
| 40% | $795.84 |
| 50% | $1,132.90 |
| 60% | $1,435.02 |
| 70% | $1,808.45 |
| 80% | $2,102.15 |
| 90% | $2,362.30 |
| 100% | $3,938.58 |
Effective December 1, 2025, from the VA’s rate table for a veteran with no dependents. At 10% and 20% the rate is the same with dependents; from 30% up a spouse, children or parents add to it (next table).
2026 VA rates with a spouse and children
| Combined rating | Veteran alone | With spouse | With spouse and 1 child | Each additional child under 18 | Each child 18 to 23 in school |
|---|---|---|---|---|---|
| 30% | $552.47 | $617.47 | $666.47 | $32.00 | $105.00 |
| 40% | $795.84 | $882.84 | $947.84 | $43.00 | $140.00 |
| 50% | $1,132.90 | $1,241.90 | $1,322.90 | $54.00 | $176.00 |
| 60% | $1,435.02 | $1,566.02 | $1,663.02 | $65.00 | $211.00 |
| 70% | $1,808.45 | $1,961.45 | $2,074.45 | $76.00 | $246.00 |
| 80% | $2,102.15 | $2,277.15 | $2,406.15 | $87.00 | $281.00 |
| 90% | $2,362.30 | $2,559.30 | $2,704.30 | $98.00 | $317.00 |
| 100% | $3,938.58 | $4,158.17 | $4,318.99 | $109.11 | $352.45 |
Monthly, effective December 1, 2025, from the VA’s rate table. A dependent parent adds to each row too; the calculator takes those rows from the same table. With 3 children under 18 and a spouse at 60%, the payment is $1,663.02 + 2 × $65.00 = $1,793.02.
Frequently asked questions
- How does the VA combine disability ratings?
- Largest first, on the efficiency left over. A 60% rating leaves 40% efficiency, and a 40% rating takes 40% of that (16), giving 76. A 20% rating then takes 20% of the remaining 24 (4.8), giving 81, which rounds to an 80% rating. Each step is a whole percent, as in the VA’s combined ratings table.
- What do 90% and 50% VA ratings combine to?
- 95%, which rounds up to 100%: 90% leaves 10% efficiency and 50% of that is 5. By contrast 90% and 40% combine to 94%, which rounds down to 90%.
- Does the VA round up at 5?
- Yes, and only once, at the end. 38 CFR 4.25 converts the final combined value to the nearest number divisible by 10 and adjusts a value ending in 5 upward, so 65 becomes 70. Rounding after every rating gives wrong answers: 40%, 40% and 10% combine to 68% and a 70% rating, not 60%.
- What is the VA bilateral factor?
- When disabilities affect both arms, both legs or paired skeletal muscles, 38 CFR 4.26 combines those ratings, adds 10% of the result and treats the total as one rating. Tick the pair box on the rating for each side; with only one side ticked it is not applied. In the regulation’s example, 60%, 20% and two bilateral 10% ratings become 60, 21 and 20, which combine to 74% and a 70% rating. Under paragraph (d), bilateral disabilities are removed from the bilateral factor and combined separately when that gives a higher result, “to achieve the combined evaluation most favorable to the veteran”; the calculator tries each choice and says which one it used.
- How much is a 70% VA disability rating per month in 2026?
- $1,808.45 for a veteran with no dependents, under the rates effective December 1, 2025. 50% is $1,132.90 and 100% is $3,938.58. From 30% up a spouse, children or dependent parents add to the payment: 70% with a spouse is $1,961.45, and with a spouse and one child $2,074.45.
- How much does a spouse or a child add to VA disability pay?
- Nothing at 10% or 20%, where the table has one rate. From 30% the VA pays a row for the veteran with a spouse, parents and one child, and a set amount for each further child. At 60% a spouse brings $1,435.02 to $1,566.02, and a spouse with 3 children under 18 to $1,793.02. A child 18 to 23 in a qualifying school program adds $246.00 at 70%. The VA table gives that only as an additional-child figure; with no younger child, the calculator adds it to the row without a child, its reading of 38 U.S.C. 1115(1)(F), so a 70% veteran with one school child gets $2,054.45.
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