VA Disability Calculator 2026
Combine your ratings the way the VA does, then see what your current and potential rating pay each month, including dependents, SMC-K, income over time and back pay.
VA Combined Rating Calculator
The VA doesn't add ratings together. It applies each one to what's left of the "whole person," highest first, then rounds to the nearest 10%. Add each individual rating below.
Estimate only. Does not include the bilateral factor. The VA makes all final rating decisions.
Add ratings to calculate
VA Benefits Calculator
Compare your current monthly VA payment with what you'd receive at a higher rating, including dependents, SMC-K and back pay.
Monthly payment
How each payment is built
Disability income over time
Think your rating should be higher?
Free Case ReviewRates from VA's published tables effective December 1, 2025: veteran disability rates and special monthly compensation. SMC-K is $139.87 a month and is counted once. Figures over time don't include future cost-of-living increases. This is an estimate; VA makes the final decision on every claim.
VA Disability Pay Chart 2026
Monthly VA disability compensation by rating, effective December 1, 2025. Use the calculator above for other dependent combinations.
| Rating | Veteran alone | With spouse | Spouse + 1 child |
|---|---|---|---|
| 10% | $180.42 | $180.42 | $180.42 |
| 20% | $356.66 | $356.66 | $356.66 |
| 30% | $552.47 | $617.47 | $666.47 |
| 40% | $795.84 | $882.84 | $947.84 |
| 50% | $1,132.90 | $1,241.90 | $1,322.90 |
| 60% | $1,435.02 | $1,566.02 | $1,663.02 |
| 70% | $1,808.45 | $1,961.45 | $2,074.45 |
| 80% | $2,102.15 | $2,277.15 | $2,406.15 |
| 90% | $2,362.30 | $2,559.30 | $2,704.30 |
| 100% | $3,938.58 | $4,158.17 | $4,318.99 |
VA Disability Pay Questions
How much does 100% VA disability pay in 2026?
A veteran rated 100% with no dependents receives $3,938.58 a month in 2026. With a spouse it is $4,158.17, and with a spouse and one child it is $4,318.99. These rates took effect December 1, 2025.
How much does a 70% VA rating pay?
A 70% rating pays $1,808.45 a month for a veteran with no dependents, or $1,961.45 with a spouse, under the 2026 rates.
How much is 10% and 20% VA disability?
10% pays $180.42 a month and 20% pays $356.66 a month. Dependents don’t change the payment at these ratings.
Do dependents increase VA disability pay?
Yes, but only once your combined rating is 30% or higher. A spouse, children, dependent parents and a spouse who needs Aid and Attendance each add to your monthly payment.
What is SMC-K?
Special Monthly Compensation (K) is an extra $139.87 a month paid on top of your regular compensation for loss of use of certain organs or limbs, such as service-connected erectile dysfunction.
How is VA back pay calculated?
Back pay is generally the difference between what you were paid and what you should have been paid, for each month back to your effective date. This calculator estimates it as (new monthly payment − current monthly payment) × months. Your actual effective date and VA’s decision set the real amount.
When do VA disability rates change?
VA adjusts rates every year on December 1 to match the Social Security cost-of-living adjustment. The rates on this page are the 2026 rates, effective December 1, 2025.
Is Your Rating Too Low?
South Dakota veterans: if the calculator shows a meaningful gap, it's worth a conversation. We'll review your situation for free, by phone or video, anywhere in the state.
Thank you!
A member of our team will reach out within one business day to schedule your free case review.