VA Disability Ratings Explained: From Claim to Combined Rating
A walk-through of how the VA assigns disability ratings, what the combined-ratings table actually does, and why 30% + 30% does not equal 60%.
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Sample Output · VA Disability
Combined rating estimate
PTSD70%
Lumbar spine20%
Tinnitus10%
Right knee10%
Bilateral factorApplied
Combined rating
90%
Computed with the VA combined-ratings table and rounded to the nearest 10% per 38 U.S.C. § 1114.
Grounded in law
Every formula traces back to the statute, regulation, or agency handbook that defines it.
Original writing
Articles are written from scratch by our editorial team — never scraped, never spun.
Always current
2025 and 2026 rates, contribution limits, and absence thresholds — reviewed monthly.
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All calculations run in your browser. Nothing you enter is sent to a server.
The Toolkit
Calculators for every major decision
Twelve hand-built tools across seven categories. Each one ships with a deep-dive article that explains the underlying rule.
Veterans Benefits
VA Combined Disability Rating Calculator
Calculate your combined VA disability rating using the official VA combined-ratings table (38 U.S.C. § 1114). Supports bilateral factor, multiple conditions, and final percentage rounding.
Open calculator Federal Employee RetirementFERS Pension Calculator
Estimate your FERS basic annuity using the High-3 average, years of credible service, and the 1.0% / 1.1% multiplier. Includes FERS-RAE and FERS-FRAE options.
Open calculator Estate & ProbateProbate Fee Calculator by State
Estimate probate fees and timeline for any U.S. state using state-specific statutory fee schedules (CA, FL, TX, NY, and 46 more).
Open calculator UK ImmigrationUK Indefinite Leave to Remain Calculator
Track your continuous residence for UK ILR under the 5-year, 3-year (spouse), and 10-year routes. Flags 180-day absences and total absence limits.
Open calculator US ImmigrationUS Citizenship Physical Presence Calculator
Count your days physically present in the United States for naturalization (N-400). Supports the 5-year (30 months) and 3-year (18 months) rules.
Open calculator Retirement & Social SecuritySocial Security Retirement Benefit Calculator
Estimate your Social Security retirement benefit at ages 62, FRA, and 70 using your PIA, AIME, and bend-point formulas.
Open calculator Retirement & Social SecuritySSDI Benefit Calculator
Project your Social Security Disability Insurance (SSDI) monthly payment based on your earnings record and SGA limits.
Open calculator Veterans BenefitsVA Pension & Aid and Attendance Calculator
Estimate your VA pension and Aid & Attendance benefit under the MAPR limits, including IVAP and dependents adjustments.
Open calculator Tax & FamilyMortgage Payoff Calculator
See how extra payments shorten your mortgage and cut total interest. Compare biweekly, lump-sum, and monthly overpayment strategies.
Open calculator Tax & FamilyChild Tax Credit Calculator
Calculate your 2025 Child Tax Credit (CTC) and Additional Child Tax Credit (ACTC) refundable portion, including phase-out thresholds.
Open calculator Retirement & Social SecurityRequired Minimum Distribution (RMD) Calculator
Compute your required minimum distribution from traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table and SECURE 2.0 age rules.
Open calculator Retirement & Social Security401(k) Contribution Calculator
Model your 401(k) growth with employer match, catch-up contributions, and tax savings using 2025 IRS contribution limits.
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Browse by Topic
Seven categories. One source of truth.
Each category groups calculators and explainers around the same body of law, so you can move between a quick estimate and a deep read without changing context.
Veterans Benefits
Veterans Benefits
VA disability ratings, pensions, and Aid & Attendance benefits calculators built around the VA's official combined-ratings table.
Federal Employee Retirement
Federal Employee Retirement
FERS pension projections, TSP growth scenarios, and CSRS comparisons for federal employees planning retirement.
Estate & Probate
Estate & Probate
State-by-state probate fee and timeline estimators, plus inheritance tax and estate tax calculators.
UK Immigration
UK Immigration
Continuous-residence trackers for UK Indefinite Leave to Remain under the 5-year and 3-year routes.
US Immigration
US Immigration
Naturalization physical-presence calculators, visa bulletin tracking helpers, and citizenship timelines.
Retirement & Social Security
Retirement & Social Security
Social Security benefit estimators, Medicare IRMAA calculators, RMD calculators, and 401(k) contribution planners.
Tax & Family
Tax & Family
Child Tax Credit calculators, federal tax bracket estimators, and mortgage payoff planners.
From the Editorial Desk
All articles
Latest explainers
Long-form articles that complement every calculator — written for humans, not search engines.
V
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VA Disability Compensation Rates: 2025 Monthly Pay by Rating
Current VA compensation tables broken down by rating percentage, dependents, and special monthly compensation (SMC) tiers.
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A
How to Appeal a VA Claim Decision: AMA Pathways Compared
The Appeals Modernization Act gave veterans three lanes: higher-level review, supplemental claim, and Board appeal. Here is how to choose.
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P
VA Pension vs VA Disability: Which One Are You Eligible For?
These two programs sound alike but have opposite eligibility rules. We clarify wartime service, income limits, and disability requirements.
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A
VA Aid and Attendance: Eligibility, MAPR Limits, and Application Steps
How the Aid and Attendance benefit layers on top of VA pension, plus the 2025 MAPR figures and IVAP income test.
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F
FERS Retirement: The Complete Federal Employee Guide
Everything a federal employee needs to plan FERS retirement: High-3, multipliers, FERS-RAE/FRAE, the annuity supplement, and TSP coordination.
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