Free VA Combined Rating Calculator
Calculate your combined VA disability rating using the exact whole-person math the VA uses — including the bilateral factor. No account required. No cost. Ever.
100% Free
No Account Needed
Bilateral Factor Included
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How VA Combined Rating Math Works
The VA does not simply add your disability percentages together. Instead, it uses "whole-person theory" — each additional rating is applied to the remaining healthy percentage, not the total.
Example: 50% + 30% does NOT equal 80%
Step 1: Start at 100% healthy
Step 2: Apply 50% → 100% × 0.50 = 50% disabled, 50% remaining
Step 3: Apply 30% to remaining → 50% × 0.30 = 15%
Step 4: Total = 50% + 15% = 65%
Step 5: VA rounds to nearest 10 → 70% combined rating
This is why a veteran with six 10% ratings does not have a 60% combined rating — they have a 47% combined, which rounds to 50%.
What Is the Bilateral Factor?
If you have disabilities affecting both sides of your body (left knee + right knee, both shoulders, etc.), the VA adds an extra percentage called the bilateral factor. It's calculated as 10% of the combined bilateral rating, added before the final rounding.
Most online calculators ignore the bilateral factor. The Vet100 calculator includes it automatically.
What Vet100's Calculator Includes
- Exact VA math — whole-person theory calculation, not simple addition
- Bilateral factor — automatically applied when you mark conditions as bilateral
- 2026 VA pay rates — see your estimated monthly compensation based on your rating and dependents
- Add unlimited conditions — see how each new condition changes your combined rating
- 38 CFR rating schedules — browse diagnostic codes for each condition
- No account required — use it right now without signing up
Why Your Combined Rating Matters
Monthly Compensation Jumps at Key Thresholds
The difference between 60% and 70% can be hundreds of dollars per month. Understanding your combined rating helps you identify which additional conditions would push you to the next threshold — and prioritize accordingly.
100% Unlocks Full Benefits
At 100% (schedular or TDIU), veterans receive the maximum monthly payment plus eligibility for CHAMPVA (healthcare for dependents), Chapter 35 education benefits, property tax exemptions in most states, and commissary/exchange access.
Frequently Asked Questions
- Is this calculator free?
- Yes, 100% free. No account, no credit card, no catch. Open vet100.net and use the rating calculator tab immediately.
- How accurate is it?
- It uses the exact same whole-person math the VA uses, including the bilateral factor. The estimated pay rates are based on 2026 VA compensation tables.
- Do I need to create an account?
- No. The rating calculator works without any account. If you want to save your conditions, use other tools (C&P prep, nexus letters, VSO packet), or upload documents, you can create a free account.
- Can I use this on my phone?
- Yes. Vet100 works on any phone browser. On iPhone, open vet100.net in Safari, tap Share, then "Add to Home Screen" to install it as an app.
- What is TDIU?
- Total Disability based on Individual Unemployability (TDIU) allows veterans rated 60%+ (single condition) or 70%+ combined (with one condition at 40%+) to receive 100% pay if their disabilities prevent substantially gainful employment.
Ready to Calculate Your Rating?
No signup. No cost. Just accurate VA math.
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Available in English, Spanish, Tagalog, Korean, and Vietnamese