# VA Disability Calculator

URL: https://speedycalculator.com/calculators/finance/va-disability/
Last updated: 2026-10-25

> The VA disability calculator combines up to six disability ratings using "VA math" – each rating applied to the remaining efficient percentage – rounds to the nearest 10% and shows the 2026 monthly and yearly compensation, with an optional spouse add-on.

## Inputs

- Rating 1 (%)
- Rating 2 (%)
- Rating 3 (%)
- Rating 4 (%)
- Rating 5 (%)
- Rating 6 (%)
- Spouse?

## Results

- Combined value (before rounding)
- Combined disability rating
- Monthly compensation (2026)
- Yearly compensation

## Formula

```
Remaining efficiency = Π (1 − rating)
Combined value = 100 − remaining efficiency × 100, rounded to the nearest 10 (5 rounds up)
Monthly pay from the 2026 rate table (2.8% COLA from 1 December 2025)
```

## Explanation

VA ratings don't add up: 50% and 30% combine to 65%, which rounds to 70%. The bilateral factor (for conditions on both sides of the body) can add a little more and is not included here. Rates shown are for a veteran alone (spouse add-on is approximate).

### How to use the VA Disability Calculator

- **Rating 1**
- **Rating 2**
- **Rating 3**
- **Rating 4**
- **Rating 5**
- **Rating 6**
- **Spouse?**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter each disability rating (0 if unused) and whether you have a spouse.

### Tips

- Enter figures for the same period and in the same currency.
- Exchange rates and prices change constantly – update them before you rely on a result.
- Use results as estimates and confirm important figures with the official source.
- Everything runs in your browser – try different values to compare scenarios.

### Common mistakes to avoid

- Mixing gross and net figures.
- Using outdated rates.
- Treating rules of thumb as exact.

### Inputs explained

FieldWhat to enterRating 1In %Rating 2In %Rating 3In %Rating 4In %Rating 5In %Rating 6In %Spouse?Choose one: No, Yes

### What each result means

- **Combined value (before rounding)** = 100 - (1 - [Rating 1]÷100)×(1 - [Rating 2]÷100)×(1 - [Rating 3]÷100)×(1 - [Rating 4]÷100)×(1 - [Rating 5]÷100)×(1 - [Rating 6]÷100)×100
- **Combined disability rating** = min(floor((round([Combined value (before rounding)]) + 5)÷10)×10, 100)
- **Yearly compensation** = [Monthly compensation (2026)]×12

### Example values

How the main result changes when **Rating 1** changes and everything else stays at the example values above:

Rating 1 (%)Combined disability rating (%)255037.560507062.5807580100100

## Worked example

Inputs — Rating 1: 50 %; Rating 2: 30 %; Rating 3: 10 %; Rating 4: 0 %; Rating 5: 0 %; Rating 6: 0 %; Spouse?: No.

Results — Combined value (before rounding) = 68.5 %; **Combined disability rating = 70 %**; Monthly compensation (2026) = $1,808.45; Yearly compensation = $21,701.40.

## FAQ

**How does VA math work?**
Each rating applies to what's left of your "efficiency", so ratings don't simply add.

**How much is 100% VA disability in 2026?**
$3,938.58 a month for a veteran alone.

**Is VA disability compensation taxable?**
No – it's tax-free.

**What formula does the VA Disability Calculator use?**
Remaining efficiency = Π (1 − rating).


## Sources

- [U.S. Department of Veterans Affairs – Compensation rates](https://www.va.gov/disability/compensation-rates/veteran-rates/)