Private, local-first VA math

VA Disability Calculator

Estimate current and hypothetical combined VA disability ratings with whole-person math, the bilateral factor, dependents, compensation estimates, SMC, and TDIU selections.

Educational estimate only. VetCompPlanner is not affiliated with VA, and the Department of Veterans Affairs makes official rating and payment decisions.

Preparing your private calculator workspace…
Understand the estimate

How VA combined disability ratings work

VA percentages are combined using the whole-person method; they are not simply added together. The calculator keeps the raw combined value and the final rounded rating visible.

VA math starts with the highest rating

Each additional percentage applies to the portion of the person VA considers not already disabled. Ratings are ordered from highest to lowest, combined, and the final value is converted to the nearest degree divisible by 10 under the regulation and Combined Ratings Table.

The bilateral factor can change the sequence

When compensable disabilities affect paired arms, paired legs, or paired skeletal muscles, VA may combine those ratings and add 10% of their combined value before continuing the calculation. Whether a condition qualifies depends on the facts and VA's rules.

Current and hypothetical stay separate

Use current entries for awarded ratings and hypothetical entries to explore a possible outcome. A modeled result is educational—it does not predict service connection, an effective date, or a VA decision.

Worked example

50% + 30% + 10% becomes 70%, not 90%

This simple example does not include the bilateral factor. The Combined Ratings Table combines 50% and 30% to 65%, then combines 65% and 10% to 69%. The final value rounds to 70%.

Example VA combined-rating sequence
StepRatings combinedResult
150% and 30%65%
265% and 10%69%
FinalRound to nearest 1070%

Common mistakes to avoid

  • Adding individual percentages as ordinary numbers.
  • Applying the bilateral factor to conditions that do not qualify.
  • Treating a hypothetical rating as an award or guarantee.
  • Using a compensation rate without checking dependents and effective dates.