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2026 VA Disability Calculator

Looking for the best VA disability calculator for 2026? Use the Sitreps VA disability compensation calculator to calculate your combined VA rating, monthly compensation, and potential back pay using official VA math. Add your service-connected conditions and ratings to see how they combine, estimate your compensation, and explore potential secondary conditions.

Your Service-Connected Conditions

1
Arms/legs pair
2
Arms/legs pair
3
Arms/legs pair

Quick Load Common Sets:

80%VA Rating
Exact Combined:78.40%
Rounded (VA Method):80%
Monthly Compensation:$2,102.15/mo

Step-by-Step VA Math Breakdown

VA "whole person" math: each condition takes a percentage of your remaining able body, not a flat sum. This is why 60% + 40% does not equal 100%.

0Start with 100% whole person100.00% remaining
1PTSD (70%): 100.0000 × 0.30 = 30.0000 remaining → 70.00% disabled so far 30.00% remaining
2Lumbar Spine (20%): 30.0000 × 0.80 = 24.0000 remaining → 76.00% disabled so far 24.00% remaining
3Tinnitus (10%): 24.0000 × 0.90 = 21.6000 remaining → 78.40% disabled so far 21.60% remaining
✓ Combined = 100% − 21.6000% = 78.40% → Rounded to nearest 10%: 80%80% Final

VA rounding rule: 1–4 rounds down, 5–9 rounds up to the next 10%. Your exact value of 78.40% rounds up to 80%.

2026 Monthly Compensation

Your Monthly Rate
$2,102.15
At 80% combined rating
Annual Tax-Free Income
$25,225.80
Per year, tax-free
Not counted as income for taxes
20-Year Total
$504,516.00
Estimated (no COLA)
Actual will be higher with annual COLA
⚠

Disclaimer: This calculator provides estimates only. Official ratings are determined by the VA based on medical evidence. Consult with a VA-accredited claims agent or attorney for personalized guidance. Rates effective December 1, 2025 (2.8% COLA increase). Source: va.gov

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Estimates only. This tool is for informational purposes and does not constitute official VA guidance. Actual ratings and compensation may vary. Consult the VA or a Veterans Service Organization for official determinations.
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