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VA Combined Rating Calculator | Veterans Creed
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VA Disability Combined Rating
Calculator

Actual VA "whole person" algorithm · Bilateral factor · 2026 compensation rates

38 CFR 4.25 — Combined Ratings 38 CFR 4.26 — Bilateral Factor 2026 Rate Table
1 Enter Service-Connected Ratings

Add each VA-rated condition. Enable Bilateral for paired-limb conditions (both knees, both shoulders, both hands, etc.) — bilateral conditions are combined first per 38 CFR 4.26 before mixing with non-bilateral ratings.

2 Dependent Status

Dependents increase monthly compensation at 30%+ combined rating per 38 CFR 3.500–3.503.

Raw Combined
—%
→
VA Rounded Rating
—%

Estimated Monthly Compensation — 2026
Tax-free, paid directly by VA
—
/ month
The VA uses the "whole person" method — not simple addition. Each disability is applied to the remaining portion of the whole person (100%), reducing what's left for the next condition to act upon. Bilateral conditions are processed first with a 10% factor added before combining with non-bilateral ratings.

Understand why your rating is what it is.

Your rating determines more than just your pay — it drives TDIU eligibility, SMC access, healthcare priority, dependent benefits, and educational entitlements. A Claims Navigator can walk you through the exam documentation, rating criteria, and the educational options in front of you.

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⚠ Educational Disclaimer

This tool is provided for educational purposes only and does not constitute legal advice, claims representation, or any guarantee of VA benefits outcomes. Monthly figures are estimates based on approximate 2026 VA compensation rates (effective December 1, 2025) and may not reflect your exact payment — actual amounts vary by dependent status, SMC eligibility, withholdings, and other factors. Always verify your official rating and payment at VA.gov or with an accredited VSO, attorney, or claims agent. Veterans Creed Veteran Services LLC is an education-based organization and does not prepare, present, or prosecute VA claims.

Veterans Creed Veteran Services LLC  ·  VeteransCreed.com  ·  For Educational Use Only

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Serving Veterans with Strength and Compassion

For many Veterans, the VA disability process can feel frustrating and uncertain. Veterans Creed was built to change that experience.

We founded Veterans Creed to ensure Veterans receive clear information, structured preparation, and respectful support at every stage of their claim.

Our approach combines professionalism with personal care — because behind every claim is a life, a family, and a story that deserves to be treated with dignity.

How We Support Your VA Disability Claim

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What We Are

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Real experiences from Veterans who chose structured, ethical guidance through the VA disability process.

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Before working with Veterans Creed, I felt overwhelmed by the VA disability process. VCVS brought structure and clarity to everything. She explained what mattered, helped me organize my documentation, and made sure I understood each step. I finally felt confident moving forward.

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Joe
Army Veteran
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What stood out most was the professionalism. There were no inflated promises — just honest guidance and clear expectations. Veterans Creed treated my case with respect and took the time to answer every question. That meant a lot.

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Marine Corps Veteran
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I never felt like a number. They took the time to understand my specific situation and helped me build a strategy that made sense for me. The process felt organized and steady instead of chaotic.

Sandra
Sandra
Air Force Veteran
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The VA system can be frustrating. Veterans Creed helped me feel prepared instead of stressed. Their approach is disciplined but compassionate — exactly what I needed during a difficult time.

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Todd
Navy Veteran

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