VA doesn't add your ratings — it combines them. Enter each condition below and watch your combined rating get computed the way VA actually does it, step by step. Then see what that rating pays.
Educational estimate only. This is not your official VA rating or payment, and it is not claims advice. VA's official combined value comes from the Combined Ratings Table (38 CFR §4.25) and the bilateral factor (§4.26); this tool reproduces that math. Confirm everything at va.gov.
1. Your conditions
One row per rated condition. Check Bilateral for conditions in a paired set — both arms or both legs (for example, left knee + right knee). VA gives paired extremities a 10% bilateral factor. A 0% rating counts: it doesn't change the math, but it is service-connected, and that matters later.
Your combined rating
80% combined (exact value 75.0%)
How VA got there:
2. Your household
Estimated monthly payment
$0.00 / month, tax-free
2026 figures come straight from VA's published rate tables.
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Why 50% + 50% is not 100%. VA rates the disability of a whole person. Each new rating only applies to the part of you that's still "efficient." A 50% rating leaves 50% efficiency; the next 50% takes half of that — 25 points — for a combined 75%, which VA then rounds to the nearest 10: 80%. Ratings are combined highest to lowest, and the final value rounds to the nearest ten (a value ending in 5 rounds up). That's the whole trick — and now you've seen every step of yours above.
Got your number? The rating is only half the picture — most veterans are missing benefits they already qualify for. Get the free VA Money Checklist, and the weekly VA Money Brief — one plain-English email a week, every rate change and deadline that affects your check.
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