Is this VA disability calculator free?

Yes, 100% free with no credit card required. Calculate your VA disability rating, compensation estimates, and explore all our tools completely free. No hidden fees, no trial periods.

How accurate is this VA disability calculator?

Our calculator uses the official VA combined rating formula including bilateral factors, proper rounding per 38 CFR §4.25, and accurate SMC calculations. It's the same math VA raters use, making it highly accurate for planning purposes.

What is a bilateral factor in VA disability?

Bilateral factor applies when you have disabilities affecting both paired body parts (arms, legs, eyes, ears, etc.). Per 38 CFR §4.26, VA adds 10% of the combined value of bilateral disabilities before combining with other ratings, resulting in a higher overall rating.

Can I use this calculator for my VA claim?

Yes! Use our calculator to estimate your combined rating before filing, plan which conditions to claim, understand how secondary conditions affect your rating, and prepare for C&P exams. Many veterans use it before reaching out to us or their VSO or claims agent.

What's the difference between Easy, Guided, and Pro modes?

Easy Mode: Quick estimate with common conditions. Guided Mode: Step-by-step walkthrough with explanations (recommended for first-timers). Pro Mode: Full-featured calculator with all advanced tools, bilateral factors, and scenario planning.

Does this calculator include 2025 VA pay rates?

Yes, all compensation rates are updated to the current 2025 VA disability pay table effective December 1, 2024. This includes base rates, dependent allowances, and all SMC levels.

What is SMC in VA disability?

Special Monthly Compensation (SMC) is additional payment for veterans with severe disabilities like loss of use of limbs, blindness, need for aid and attendance, or being housebound. SMC rates range from SMC-K ($119/month) to SMC-R2 ($9,322/month).

Can I calculate TDIU with this tool?

Yes, we have a dedicated TDIU (Total Disability Individual Unemployability) checker that helps determine eligibility and shows potential compensation at 100% scheduler rating even if your combined rating is 60-90%.

December 30, 2025

8 min read

By Lukas Simianer

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