SwiCalc vs VA Compensation Calculator

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Accurately calculate your VA combined disability rating, estimated monthly compensation, and retroactive backpay using the official VA math from 38 CFR 4.25, 4.26, and 3.31. WHAT IT DOES Enter your service-connected disabilities and their ratings. The app combines them using the same method the VA uses — not simple addition — and shows your official combined rating, exactly how it was rounded, and your estimated monthly compensation. Track pending claims, see what your rating could be if approved, calculate retroactive backpay across rating timelines, find which condition's next rating step is worth pursuing, and configure Special Monthly Compensation when applicable. KEY FEATURES - VA Combined Ratings Calculator using the official formula, with a step-by-step breakdown and a "see why" rounding explainer - Bilateral Factor support for disabilities affecting both sides of the body (left knee + right knee, etc.) - Backpay Calculator — retroactive compensation across a timeline of rating changes and life events, with COLA boundaries per 38 CFR 3.31 and an "already being paid at" offset for increases - Special Monthly Compensation — the full ladder: K, S, L, L½, M, M½, N, N½, O/P, R1, R2, and T, with correct stacking rules - SMC Eligibility Screener and TDIU Eligibility Check — plain-language screening for the benefits veterans most often miss - Increase Finder — for each rated condition, what the next rating step requires under 38 CFR and what it would do to your combined rating and pay - 38 CFR Diagnostic Codes reference — 700+ codes with rating criteria; attach a code to any disability - Symptom Log — record episodes over time and export a summary in VA rating-criteria language for your VSO or provider - Claim Tracker — C&P exams, hearings, deadlines, and decisions, with optional reminders - Track Rated, Pending, and Denied claims separately, with notes on each - Projected Rating and What-If Scenario calculators - Compensation rate tables for 2018 through 2026 with annual COLA adjustments - Dependent-based compensation for spouse, children, and parents, including Spouse Aid & Attendance - Pay Date Predictor, Future COLA Estimator, Healthcare Priority Group, CRDP/CRSC calculator, and the Combined Ratings Table - Share or save your breakdown and backpay as a PDF, with privacy options to redact names or hide dependents - Backup & Restore — export everything to a single file you keep, and restore it on a new phone - Optional Face ID / Touch ID lock and Dark Mode - Built-in links to r/VeteransBenefits and the Veterans Benefits Knowledge Base BUILT FOR VETERANS - 100% free — no ads, no accounts, no subscriptions, and no third-party trackers - Your VA data — disabilities, ratings, dependents, notes, and symptom log — stays on your device and is never uploaded - Designed for iPhone and iPad - Accurate to VA regulations (38 CFR 4.25, 4.26, and 3.31) WHO IS THIS FOR? - Veterans exploring what their combined rating could be - Veterans tracking pending claims and what-if scenarios - Veterans deciding which condition to file an increase on - Veterans estimating backpay from a recent rating decision or upcoming retroactive award - Veterans receiving or considering Special Monthly Compensation - Anyone helping a veteran understand their disability compensation DISCLAIMER This app is not affiliated with the U.S. Department of Veterans Affairs. It is an independent tool for estimation purposes only. Always verify your rating and compensation with the VA directly.