For rated & unrated veterans

Estimate your VA combined disability rating in under 60 seconds.

Upload your record and see an educational estimate of the conditions you may qualify for, your combined rating under the VA's formula, and the corresponding 2026 compensation rate. An estimate based on public VA criteria — not a guarantee, and not affiliated with the VA.

Nothing filed on your behalf Never stored in our servers Not connected to the VA
2026 RATES
2026 VA compensation rates, by combined rating
$ 45,975 .60 /yr
Tax-free compensation at 100%, single veteran, no dependents.
0%30%60%90%
New monthly
$3,831 + $3,831 / mo
More per year
$45,976 from 0% → 100%
38 CFR
Part 4 — the public VA rating schedule every estimate is based on
$3,831
2026 monthly rate at 100% (no dependents) — tax-free
< 60s
to see your potential rating & comp estimate
Estimate your rating

Upload your medical record. Get an educational rating estimate in under 60 seconds.

Drop in your DoD medical record. We map each documented condition to a likely diagnostic code and show an estimated combined rating — and the matching 2026 VA compensation rate — based on public VA criteria. This is an estimate, not a guarantee, and your actual rating is determined solely by the VA.

Ready to analyze
Reading record… parsing conditions… locally on your device.
Processed on your device Under 60 seconds $24.95 — one-time
100% money-back guarantee. If you don't find what you're looking for, we'll refund you — no questions asked. Request a refund →
VeteranCalc is an independent educational tool — not affiliated with or endorsed by the U.S. Department of Veterans Affairs. It produces a rating estimate from public VA criteria; it does not file claims and does not guarantee any rating, payment, or backpay. Your rating is determined solely by the VA. Free help filing a VA claim is available from VA-accredited Veterans Service Organizations and at va.gov/disability (find a free rep at va.gov accreditation search).
The math nobody shows you

A 10‑point rating change isn't 10% more money. It's often double.

The VA uses "combined rating" math — not simple addition. Small percentage jumps at the top of the scale unlock huge monthly increases. This is why a correct claim matters.

Combined rating
Monthly
Annual
vs. 40%
40%
$755
$9,060
baseline
60%
$1,395
$16,740
+$7,680 / yr
80% Median jump
$2,044
$24,528
+$15,468 / yr
90%
$2,297
$27,564
+$18,504 / yr
100%
$3,831
$45,972
+$36,912 / yr
Figures use 2026 VA compensation rates for a single veteran, no dependents. Backpay is calculated retroactively from your effective date — often the date you first filed.
How it works

Under 60 seconds. No account. No lawyer.

STEP 01

Upload your medical record — or build your case from scratch

Drop in your DoD medical record PDF. We parse it locally in your browser: nothing leaves your device. No record? Use the rating calculator and add conditions by hand.

STEP 02

See every condition, the correct combined rating & your monthly

We map each finding to a likely diagnostic code, apply the bilateral factor and combined-rating table, and show an estimated combined rating under the public VA schedule. Your actual rating is decided by the VA.

STEP 03

Know what to discuss with an accredited rep

Export a plain-English report: the conditions documented in your record, the diagnostic codes they may map to, and the public regulations behind each. Take it to a free VA-accredited VSO, an accredited rep, or use it to file yourself.

How the math works

Why the combined-rating formula surprises people.

Illustrative examples of the VA's "whole-person" combine math — not customer results. Figures use 2026 VA rates for a single veteran, no dependents.

90% 50+40

A 50% and a 40% rating don't add to 90%. The VA combines them on a whole-person scale to 70%. Simple addition almost always overstates the result — which is why an estimate based on the actual formula matters.

Example · combine math
70% 80%

Near the top of the scale, a 10-point move is worth far more than 10%. At 2026 rates a single veteran goes from about $1,759 to $2,044 per month — roughly $3,400 more per year for the same step.

Example · top-of-scale step
+ bilateral

The bilateral factor adds 10% of the combined value when paired limbs (e.g. both knees) are rated. It's easy to miss by hand, and it can change the rounded combined rating — one reason estimates done manually often differ from the schedule.

Example · bilateral factor

These are illustrations of the public combined-rating formula, not testimonials or predicted outcomes. VeteranCalc does not guarantee any outcome. Ratings are determined solely by the VA based on your medical evidence.

Try the rating calculator

Tap in your current ratings. See your real combined number.

The VA doesn't add percentages — it combines them using a whole-person formula. Most veterans calculate this wrong. Here's the math, live:

VA‑combined rating
0%
Monthly
$0 /mo
Annual
$0 /yr
2026 rate · single vet · no dependents
Your ratings

Click a percentage to add it to your stack. Try 40, 30, 20 to see combine math in action.

10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Your stack
Ratings you add will stack here.
Add a rating to see the combine math.
The VA's "whole-person" formula: start at 100% efficiency. Each rating, largest first, reduces what's left by its percentage. Combined rating = 100% − remaining efficiency, rounded to the nearest 10.
Common questions

Straight answers.

Can't I just ask my VSO?

Absolutely — and you should. But VSOs have limited time per veteran. This report gives them a fully organized, CFR-cited package so your appointment becomes a strategy session instead of a data intake.

Is my data private?

Your PDF is extracted in your browser and the text is sent to our API for analysis. We never store your file or your health information. Once your session ends, the data is gone.

What if my record is a scanned image?

Scanned-image PDFs have no extractable text. You'll need a text-based export from AHLTA, HAIMS, or your MTF — the same format you'd request for a FOIA or records release.

Is this legal / medical advice?

No. This tool provides an educational analysis based on publicly available VA rating criteria. It is not a substitute for legal or medical advice, and it does not file claims on your behalf.

See your estimated VA combined rating.

Under 60 seconds, no account. An educational estimate based on public VA criteria — not a guarantee.

Estimate my rating → How it works
No signup · No VA contact · Files stay on your device