VA rating calculator
Have your VA decision letter beside you. Add each condition and its individual percentage once, choose the affected side when needed, then read the combined estimate. A condition name alone does not set a rating.
Add each individual rated condition once. For an arm or leg condition, select the side from your VA decision.
Use the individual service-connected ratings listed in your VA decision, not your combined rating. No rating yet? Explore the C&P condition guides. These are educational guides, not a diagnosis or a rating decision.
Do not split or duplicate a single rating that already covers both sides. Paired skeletal-muscle and other complex bilateral cases need review beyond this limb-based estimate.
Check each entry against your decision letter. If the estimate differs from your VA letter, review the individual percentages and sides before drawing a conclusion.
Your estimated combined rating, step-by-step math, estimated monthly payment, and relevant TDIU information sent to your inbox for your records.
VA rating calculator
VA combines individual ratings instead of adding them. Enter the percentages from your decision letter to estimate the combined rating and 2026 monthly payment. Open “Show the math” to follow each step.
Can't work because of your conditions?
Total Disability based on Individual Unemployability (TDIU) concerns service-connected conditions that limit your ability to work. A calculator result alone cannot establish eligibility.
The full 100% rate — $3,938.58/month (more with dependents) — even though your combined rating stays at 60, 70, 80, or 90%. If your service-connected conditions keep you from holding substantially gainful work, VA pays you as if you were rated 100%.
Schedular TDIU needs one condition rated 60%+, or a combined 70%+ with at least one condition at 40%+ — and evidence you can't maintain substantially gainful employment because of those conditions. Below the thresholds, extraschedular TDIU is still possible but harder. Marginal work (below the poverty threshold) doesn't disqualify you.
Apply with VA Form 21-8940 (your work and education history). Your most recent employer completes VA Form 21-4192. Check the form instructions on VA.gov for current steps. Evidence VA may consider includes medical opinions about how your service-connected conditions affect your ability to work, Social Security disability records, and employment records. For advice on your specific claim, talk to a VA-accredited representative.
Beyond the monthly check
Confirm Permanent & Total status in VA's decision or benefit summary. A calculator estimate or absence of scheduled exams does not establish it. Build your post-decision action plan.
CHAMPVA application steps explain family eligibility and the TRICARE exclusion. Chapter 35 education guidance covers individual eligibility, current rates and time-limit exceptions. Neither benefit is automatically awarded to every dependent.
Check state property-tax rules, funding-fee exemptions and VA dental classes separately. For parks and recreation, compare passes, costs and application steps; access is not the same as a free booking.
After 10 years, service connection can't be severed except for fraud; after 20 years at or above a rating, it can't be reduced below that level except for fraud. Any service-connected rating (even 0%) also makes you eligible for VALife if you're 80 or younger. VA calls VALife guaranteed acceptance whole life insurance: up to $40,000, with no health questions. Full coverage starts 2 years after you apply; if you die before then, VA refunds your premiums plus interest to your beneficiaries.
Next step
Save the estimate with the individual ratings you entered. If you have an exam coming up, prepare examples of how your conditions affect daily life. If you disagree with a decision, use that letter and its review instructions to plan the next step. VetOps is not VA, a VSO, or a government agency. No guaranteed outcomes.
