Question 1

Are these calculators accurate?

Accepted Answer

All formulas follow VA.gov rate tables and 38 CFR § 4.25. Results are estimates — always verify final amounts at VA.gov or with your VSO.

Question 2

How does VA combined rating math work?

Accepted Answer

The VA uses a ‘whole person’ method — not simple addition. Each rating is applied to your remaining able-bodied percentage. A 50% and 30% rating combines to 65%, not 80%.

Question 3

What is VA back pay?

Accepted Answer

Back pay is the lump sum owed from your effective date (when you filed) to your decision date. The average is $8,000–$50,000+ depending on rating and wait time.

Question 4

Can VA disability income count toward a mortgage?

Accepted Answer

Yes. Lenders can gross up non-taxable VA disability income by 25% for DTI purposes, which significantly increases your qualifying amount.

Question 5

How often are these rates updated?

Accepted Answer

VA disability rates change every December 1 with the annual COLA adjustment. All calculators on this site are updated the same day.

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