# VetCalc.org

> Free military and veteran benefit calculators built by a serving Air National Guard NCO. All figures trace to official DFAS, DoD, and VA published rate tables, updated for 2026 (2.8% COLA, effective December 1, 2025). No signup, no lead capture — the calculators and rate tables are free reference tools.

Key 2026 figures: VA disability compensation ranges from $180.42/month (10%) to $3,938.58/month (100%, veteran alone; $4,158.17 with spouse). GI Bill Monthly Housing Allowance equals the E-5-with-dependents BAH rate at the school's ZIP code. TDIU pays at the 100% rate for veterans unable to work due to service-connected disabilities.

## Calculators

- [VA Disability Rating Calculator](https://vetcalc.org/calculators/va-disability-rating/): Combines multiple ratings with the official 38 CFR 4.25 formula and bilateral factor, shows 2026 monthly pay by dependent status
- [2026 VA Disability Rates](https://vetcalc.org/calculators/va-disability-rates/): Full pay chart, every rating and dependent combination
- [VA Back Pay Calculator](https://vetcalc.org/calculators/va-back-pay/): Retroactive pay estimate from effective date
- [TDIU Calculator](https://vetcalc.org/calculators/tdiu/): Individual Unemployability eligibility (schedular paths) and pay
- [GI Bill Housing Allowance Calculator](https://vetcalc.org/calculators/gi-bill/): MHA by school ZIP, Post-9/11 and Montgomery
- [GI Bill School Comparison](https://vetcalc.org/calculators/gi-bill-school-comparison/): Search 13,568 VA-approved schools and compare up to 5 — tuition the Post-9/11 GI Bill covers, Yellow Ribbon offers, per-campus MHA, and what you'd still owe
- [Military Pay Calculator](https://vetcalc.org/calculators/military-pay/): 2026 base pay + BAH + BAS by rank, years, and location
- [BAH Calculator](https://vetcalc.org/calculators/bah/): 2026 Basic Allowance for Housing for all 338 military housing areas
- [Drill Pay Chart](https://vetcalc.org/calculators/drill-pay-chart/): Guard/Reserve weekend drill pay, all ranks
- [Bilateral Factor Checker](https://vetcalc.org/calculators/bilateral-factor-checker/): Does the 38 CFR 4.26 bilateral factor apply to your rated body parts
- [VA Rating Protection Check](https://vetcalc.org/va-disability/rating-protection/): The 5-year, 10-year, and 20-year reduction-protection rules applied to your rating
- [Am I Permanent and Total?](https://vetcalc.org/va-disability/am-i-permanent-and-total/): Decode your VA decision letter for P&T status
- [VA Pay Forecast](https://vetcalc.org/calculators/va-pay-forecast/): Project compensation 5-30 years with COLA assumptions
- [DIC Calculator](https://vetcalc.org/calculators/dic/): Survivor Dependency and Indemnity Compensation with 2026 rates and add-ons
- [VA Priority Group Calculator](https://vetcalc.org/calculators/va-priority-group/): Health care priority groups 1-8 and copay status
- [CHAMPVA vs TRICARE](https://vetcalc.org/calculators/champva-vs-tricare/): Which program covers a veteran family, and why never both
- [Chapter 35 DEA Calculator](https://vetcalc.org/calculators/chapter-35/): Monthly education rates for dependents and survivors
- [Dual Military BAH](https://vetcalc.org/calculators/dual-military-bah/): Who claims the with-dependents rate in mil-to-mil couples
- [Geo-Bachelor BAH Rules](https://vetcalc.org/bah/geo-bachelor/): Which ZIP sets BAH when family lives elsewhere
- [GI Bill MHA Proration](https://vetcalc.org/calculators/gi-bill-mha-proration/): Why first and last housing payments are short
- [Terminal Leave Calculator](https://vetcalc.org/calculators/terminal-leave/): Sell back leave vs take terminal, with the 60-day cap
- [Promotion Back Pay](https://vetcalc.org/calculators/promotion-back-pay/): Delta owed when the LES lags a promotion

## Reference

- [2026 VA Disability Pay Chart](https://vetcalc.org/resources/va-disability-pay-chart-2026/): Printable complete rate tables
- [100% VA Disability Pay](https://vetcalc.org/va-disability/100-percent/): Rates, SMC additions, and qualification paths
- [VA COLA History 2000-2026](https://vetcalc.org/va-cola-history/): Every annual increase; highest was 8.7% (2023), zero in 2010/2011/2016
- [State Veteran Benefits Guide](https://vetcalc.org/veteran-benefits/): Tax exemptions and programs, all 50 states
- [Disabled Veteran Property Tax Exemption by State](https://vetcalc.org/veteran-benefits/disabled-veteran-property-tax/): Lookup by state and VA rating
- [About / Data Sources](https://vetcalc.org/about/): Author credentials and methodology
- [VSO vs Claims Agent vs Lawyer](https://vetcalc.org/guides/vso-vs-claims-agent-vs-lawyer/): Free help first, legal fee caps (38 U.S.C. 5904), claim-shark red flags
- [Military Retirement and VA Disability at the Same Time](https://vetcalc.org/guides/military-retirement-and-va-disability/): Yes for most 20-year retirees rated 50%+ — CRDP restores retired pay automatically (10 U.S.C. 1414); CRSC is the tax-free combat-related path; under 50% the dollar-for-dollar VA waiver still applies
- [Military State Taxes: SCRA & MSRRA](https://vetcalc.org/guides/military-state-taxes/): State of Legal Residence rules and spouse elections

## Optional

- [BAH rates by location](https://vetcalc.org/bah/): County and MHA-level 2026 BAH tables