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Enter each rating, your family and, if you retired from the military, your retired pay: the combined rating, the 2026 monthly amount and what reaches your bank account come out together.
VA rates effective December 1, 2025, DFAS and DTMO 2026 tables, last updated · How we calculate · About this site
Monthly VA compensation at 70%
$2,074.45
$24,893 a year, tax free. Rates effective December 1, 2025.
| Combined value (38 CFR 4.25 Table I) | 72 |
| Rounded to the nearest 10 | 70% |
| Basic rate at 70%, with spouse, 1 child | $2,074.45 |
Your ratings meet the schedular threshold of 38 CFR 4.16(a) for individual unemployability (TDIU). If you cannot keep substantially gainful work, TDIU pays the 100% rate: $4,318.99 a month for your family.
VA basic rate for your family, plus each extra child and the Aid and Attendance amount, exactly as va.gov adds them. How this is calculated.
A veteran rated 100% with no dependents receives $3,938.58 a month in 2026, and one rated 70% with a spouse and one child receives $2,074.45, since VA raised every rate by 2.8% on December 1, 2025. Getting there takes three steps that most calculators split up. First the ratings are combined, not added: 50% and 30% leave 35% of "efficiency", so they make 65, which VA rounds to 70. Then the bilateral factor adds 10% when both arms or both legs are rated. Then the family is counted, but only from 30%: a spouse, each child under 18, each child of 18 to 23 in school, dependent parents. The calculator does all three with the combined ratings table of 38 CFR 4.25 and the VA rate tables, and if you are a military retiree it adds the fourth step va.gov leaves out: whether VA compensation replaces part of your retired pay or comes on top of it through CRDP.
Each step of 10 points changes the payment, but not evenly: going from 90% to 100% adds $1,576.28 a month for a veteran alone, more than any other step. From 30%, every dependent counts; below it, $356.66 is the 20% rate for everyone. Rates from the VA compensation rate tables.
| Rating | Veteran alone | With spouse | Spouse and 2 children |
|---|---|---|---|
| 10% | $180.42 | same | same |
| 20% | $356.66 | same | same |
| 30% | $552.47 | $617.47 | $698.47 |
| 40% | $795.84 | $882.84 | $990.84 |
| 50% | $1,132.90 | $1,241.90 | $1,376.90 |
| 60% | $1,435.02 | $1,566.02 | $1,728.02 |
| 70% | $1,808.45 | $1,961.45 | $2,150.45 |
| 80% | $2,102.15 | $2,277.15 | $2,493.15 |
| 90% | $2,362.30 | $2,559.30 | $2,802.30 |
| 100% | $3,938.58 | $4,158.17 | $4,428.10 |
70% · $1,808.45
$4,671.44
$2,800 a month
The same approach covers the rest of a military career: the DFAS pay table that took effect on January 1, 2026 (an E-5 with four years now earns $3,946.80 of basic pay), the subsistence allowance of $476.95, the housing allowance of each duty station ($2,430 for that E-5 with a family in Norfolk), retired pay under each system, and what the GI Bill and the TSP add.
01 · Military pay 2026
Military pay chart 2026 The complete DFAS basic pay tables for 2026: enlisted, warrant, officer and O-1E to O-3E
Military pay calculator Basic pay, BAH at your ZIP code and BAS: your 2026 monthly compensation in one figure
02 · Housing allowance (BAH)
BAH calculator 2026 Your 2026 housing allowance from the duty station ZIP code, grade and dependents, with every grade of the area
BAH rates 2026 Every 2026 housing area with its rates, the highest and lowest areas and the changes from 2025
03 · Military retirement
Military retirement calculator High-3, BRS or REDUX retired pay from your grade or high-36 average, with the VA effect
CRDP calculator Concurrent Retirement and Disability Pay: who keeps both checks, and the totals with your rating
FERS retirement calculator FERS basic annuity for federal employees, with the military buy-back and its 3% deposit
04 · GI Bill and TSP
GI Bill calculator Post-9/11 GI Bill for 2026-27: tuition, housing allowance at the campus ZIP code and books
TSP calculator Thrift Savings Plan projection with the BRS match, your contribution rate and the 2026 limits
VA treats a disabled person as partly "efficient". A 50% disability leaves 50% efficiency; a further 30% takes 30% of what is left, so the person is 65% disabled. The rule is written as a table, Table I of 38 CFR 4.25, and the rounding to the nearest 10 happens once, after the last rating is combined. That is why a veteran with six ratings of 10% is rated 50% (the combined value is 47) and not 60%. Our combined rating table page prints the official table and lets you combine ratings one by one.
VA pays nothing extra for a family below 30%. From 30%, the basic rate depends on a spouse, dependent parents and a first child; each further child under 18 and each child in school add a fixed amount that rises with the rating, from $32 per younger child at 30% to $109.11 at 100%. A spouse who needs Aid and Attendance adds $201.41 at 100%. Dependents must be on VA's records: a marriage or a birth that was never reported does not show on the payment.
Retired pay and VA compensation cannot both be paid in full unless a law says so. Below 50%, VA compensation replaces the same amount of retired pay; the gain is that VA money is tax free. From 50% with 20 years, Concurrent Retirement and Disability Pay restores the retired pay. CRSC, for combat-related disabilities, can apply at any rating from 10% and to Chapter 61 retirees. DFAS pays the better of the two, never both. The CRDP calculator and the CRSC page go further.
A veteran who cannot keep a job because of service-connected conditions can be paid at the 100% rate while rated lower. The schedular test of 38 CFR 4.16 is one disability at 60%, or a combined 70% with one disability at 40%. The calculator tells you when your ratings meet it; VA decides the rest. See TDIU.
It does not predict a rating, read your VA file or file a claim. It does not include special monthly compensation in the main result (the SMC page does), nor the clothing allowance or state benefits. It uses the rates in force since December 1, 2025; the next adjustment follows the Social Security cost-of-living change each December. Method and tests: how we calculate.
$3,938.58 for a veteran with no dependents, from December 1, 2025. With a spouse it is $4,158.17, and with a spouse and one child under 18 it is $4,318.99. Each additional child under 18 adds $109.11 and each child aged 18 to 23 in school $352.45. The payment is tax free and arrives on the first business day of the following month.
Because VA combines ratings on what remains of your efficiency instead of adding them. With 50% and 30%, the 30% applies to the remaining 50%, which gives 65, and the rounding gives 70%. Ten ratings of 10% do not make 100%: they combine to 65, so 70%. The rule is Table I of 38 CFR 4.25, which this calculator reproduces cell for cell.
No. At 10% and 20% VA pays a single rate, $180.42 and $356.66 a month in 2026, whatever your family. Additional amounts for a spouse, children and dependent parents start at a combined rating of 30%, where a spouse adds $65 a month. If a new rating brings you to 30%, add your dependents on VA Form 21-686c so they are paid.
In full, only with CRDP or CRSC. CRDP needs 20 years of service and a combined rating of 50% or more; CRSC needs combat-related disabilities rated at least 10%. Otherwise VA compensation is deducted from retired pay dollar for dollar: at 40% with $2,800 of retired pay you still receive $2,800 in total, but $795.84 of it comes tax free from VA.
Yes, when both knees, legs or feet (or both arms) have compensable ratings. VA combines those ratings, adds 10% of the result and treats the total as one disability before combining the others. Two knees at 10% give 19 plus 1.9, so 21. The gain is small but it often moves the final rating up a step. Our calculator also checks the exception of 38 CFR 4.26(d).
Yes. There is no account, no email form and no referral to a lawyer or claim consultant. The calculation runs in your browser and nothing you type is sent anywhere. The share button only writes your ratings into the page address so that you can send the result to a service officer or a relative.
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Publisher of the VA disability, military pay, BAH and retirement calculators
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Estimate only: the figures on this page apply the tables and formulas published by VA, DFAS, the DTMO, the IRS and OPM to the numbers you enter. Your rating decision, your LES and your retiree account statement are what count.
VA, DFAS, DTMO, IRS and OPM figures for 2026, read on the official documents on