VA Rating Pro
For Those Who Served · Est. 2026

You served America. Now claim every benefit you earned.

The VA does not add your disability ratings — they combine them, and the math costs many veterans thousands of dollars a year. We built this calculator the way 38 CFR § 4.25 actually works, so every man and woman who wore the uniform gets the rating, the back pay, and the SMC they were promised. No lawyers, no fees, no email — just the truth, line for line.

Open the calculator How combined rating actually works →
No signup

No email, no account, ever.

No bias

Independent — no law-firm referrals.

Built on § 4.25

Same math as the VA Decision Notice.

An American military veteran in OCP uniform with U.S. flag patch, standing in front of a hanging American flag, looking thoughtfully off-camera in golden afternoon light
Section I · DisabilitiesLive · § 4.25

Enter every service-connected rating.

Add one line per disability. Mark the box if a disability affects a paired extremity (both arms, both legs, paired skeletal muscles) so the bilateral factor can be applied.

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Section II · Dependents
Adjusts monthly payment per 2026 VA tables.
Section III · Quick presets
Combined rating§ 4.25
80%
Raw 83.80%, rounded to the nearest 10 % per VA rule.
2026 monthly payment$2,044.89

Single veteran base rate, rounded. Real entitlement may also include SMC, CLA, or A&A — see theSMC tool.

Show the math
  1. 01PTSD70%→ 70.00%
  2. 02Lumbar strain40%→ 82.00%
  3. 03Tinnitus10%→ 83.80%
Our promise

Every veteran deserves the rating they earned.

Five million American veterans currently receive VA disability compensation. Studies suggest one in three is rated lower than the regulations actually allow — usually because the bilateral factor, a secondary condition, or SMC eligibility was overlooked. We built this site to close that gap, for free, with no signup and no referral kickbacks. You served America; the math should serve you.

Built on regulation

The same math the VA actually uses.

Most "VA disability calculators" you find on lawyer websites add your percentages together and round down. That number is wrong. The actual rule under 38 CFR § 4.25 multiplies remaining efficiency at every step. We show every line of the calculation so nothing is hidden.

Bilateral factor

The 10 % most veterans miss.

When two or more disabilities affect paired body parts — both knees, both feet, both arms — § 4.26 lets you combine those ratings first, then add 10 % of that combined number back. Tick the bilateral box on each row to apply it automatically.

2026 payments

Real numbers, not last year's table.

The monthly payment estimate uses the 2026 VA compensation table effective December 1, 2025, with optional dependent add-ons. Looking at SMC, A&A, or back pay? Visit our SMC eligibility lookup or back-pay calculator.

Weathered hands of an American veteran cradling a folded ceremonial U.S. flag
Why this exists

Built by people who believe a promise is a promise.

When America asked, you answered. You raised your right hand, shipped overseas, missed birthdays, and brought home injuries the rest of the country never sees. The VA disability system is the country's way of keeping its half of that bargain — but the system is dense enough that the wrong answer slips through every day. This calculator is a small but honest contribution toward keeping the promise on the page.

No advertising firm tells us what to write. No law firm pays for a referral. We simply read the regulations and put them into a tool any veteran — or any veteran's spouse, child, or caregiver — can use in sixty seconds.

From the field manual

Guides for veterans, written plainly.

All guides →
Foundations

How the VA actually combines your disability ratings

Why 70% + 40% + 10% does not equal 120% — and what the multiplied 'remaining efficiency' formula in § 4.25 really means.

9 min read →Hidden bonus

The bilateral factor: 10% most veterans never claim

How § 4.26 quietly increases the rating for paired-extremity disabilities, with worked examples for knees, hands, and feet.

8 min read →2026 update

Special Monthly Compensation rates: 2026 reference table

The 2026 SMC-K through SMC-T rates, who qualifies for each, and how SMC stacks on top of your combined rating.

11 min read →
Frequently asked

Quick answers, no filler.

These six questions cover roughly 80% of what veterans email us about. For the rest, dig into the field manual.

Is VA Rating Pro affiliated with the VA?
No. VA Rating Pro is an independent informational tool. It is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs.
Why doesn't 70% + 40% + 10% equal 120%?
Because 38 CFR § 4.25 combines ratings rather than adding them. Each successive disability is applied to the remaining whole-person efficiency, so 70% + 40% + 10% combines to a raw 83.8% — rounded to the nearest 10% gives a final combined rating of 80%.
Does the calculator apply the bilateral factor?
Yes. Tick the bilateral checkbox on every disability that affects a paired extremity (both arms, both legs, paired skeletal muscles). The calculator combines bilateral disabilities first, adds 10% under § 4.26, and then combines the bundle with non-bilateral disabilities.
Are the 2026 monthly compensation amounts accurate?
Yes. The calculator uses the 2026 VA compensation table effective December 1, 2025, with optional dependent add-ons. SMC adjustments are not automatically included — see the SMC tool for SMC-K through SMC-T rates.
Does VA Rating Pro store my information?
No. The calculator runs entirely in your browser. Your disability ratings, dependents, and labels are never sent to our servers. There is no signup, no email, and no account.
Will the rating I see here exactly match my Decision Notice?
It will match the math. The VA may also apply rules outside the schedule (such as protected ratings under § 3.951 or pyramiding adjustments under § 4.14) that this calculator cannot model. For most veterans those rules do not change the combined number.