Free VA combined disability rating calculator with 2026 compensation rates. Uses official VA math to calculate your combined rating, estimate monthly tax-free pay with dependents, detect SMC eligibility, and suggest secondary conditions that could increase your rating.
Enter each of your service-connected disability ratings and the calculator applies the VA combined rating formula. Unlike simple addition, VA math applies each rating to your remaining healthy body percentage. A 50% plus a 30% rating results in a 65% combined rating, not 80%. The calculator rounds to the nearest 10% as the VA does and shows your exact monthly compensation.
Monthly tax-free compensation by rating: 10% = $171.23, 20% = $338.49, 30% = $524.31, 40% = $755.28, 50% = $1,075.16, 60% = $1,361.88, 70% = $1,716.28, 80% = $1,995.01, 90% = $2,241.91, 100% = $3,737.85. Rates increase with dependents - add approximately $430 for a spouse, $103 per child at 30% and above.
Use What-If mode to simulate how adding new conditions would change your combined rating and monthly pay. The calculator also suggests common secondary conditions linked to your rated disabilities. For example, if you are rated for a knee condition, it may suggest depression, radiculopathy, or sleep disturbances as potential secondary claims.
The calculator automatically detects potential SMC eligibility based on your ratings. SMC-S (Housebound) applies if you have one condition at 100% plus additional conditions combining to 60%. SMC-K applies for loss of use of a creative organ. These additional payments can add hundreds of dollars per month.
Calculate your combined VA disability rating for free. No account required.