2026 VA Compensation Calculator
What can you actually bring home?
Live monthly and annual estimate using 2026 VA compensation rates (effective Dec 1, 2025, 2.8% COLA increase).
Your rating & dependents
Compensation inputs
Additional add-on if spouse qualifies medically
Estimated monthly (tax-free)
$2,110.45
$25,325.40 per year
Breakdown
- with spouse$1,960.45
- children under 18 x2$150.00
Estimates based on published VA compensation rates. Your actual payment is determined by the VA. This tool is for education only.
100% Permanent and Total (P&T) means the VA considers your service-connected conditions total AND not expected to improve. A P&T rating unlocks benefits far beyond monthly compensation:
- Protection from routine future exams, no more reduction anxiety.
- CHAMPVA health coverage for your spouse and eligible children.
- Chapter 35 (DEA) education benefits for dependents.
- State-level benefits, property tax exemptions, in-state tuition, hunting/fishing licenses, DMV fees (varies by state).
P&T is not automatic at 100%. Your rating decision must explicitly say "permanent" or state "no future exams are scheduled." If your 100% letter doesn't say permanent, you can request that determination.