A free calculator that uses the VA's actual combined ratings formula — not a shortcut that quietly rounds you down.
No sign-up · No credit card · Works offline once loaded
Why this exists
Most VA rating calculators combine your ratings with continuous math — a simple formula that produces a smooth decimal. The VA doesn't do that. 38 CFR § 4.25 defines a table, and that table rounds to a whole number at every combination step.
The difference isn't cosmetic. A veteran with 10% + 70% + 80% combines to a raw value of 95 under the VA's actual method — which rounds up to 100%. Continuous math produces 94.6, which rounds down to 90%. That gap is $1,576 a month. Every divergence we've found understates the veteran's rating — never the other way.
Our combined-rating math is verified against all 684 cells of the VA's official Combined Ratings Table (38 CFR § 4.25) — not our own derivation of the formula, the government's actual published numbers, checked cell by cell. Read how we found the bug.
No tiers, no gates on the math. One tool, done right.
The real § 4.25 table method — rounded at every step, the way the VA actually does it.
Most free calculators skip it or get it wrong. 30% + 20% on both legs is 50%, not 40%.
The single most-asked question in VA disability. 100% requires a raw combined value of 95 — not 100.
Every combination step, spelled out. Check the math yourself instead of trusting a black box.
Your inputs live in the URL. Text a link to a buddy — no account, no backend.
Tools only. No claim-route advice, no document generation, no subscriptions.
Plain-language guides on VA ratings and appeals.
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No pitch, no account, no gate on the tool that matters. Run your numbers.
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