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Vet Money IRL

Free tracker for veterans rated under 100%

Add up your VA rating and see what it would take to reach 100%

A free spreadsheet with a built-in VA Math calculator. Enter your ratings, see where you stand, and test what an increase or a new condition would change. Built by a Marine and Navy veteran rated 80% who is working toward 100%.

My Path to 100%

Free spreadsheet. Works in Excel and Google Sheets.

Free. No spam. One email with the download link. Unsubscribe any time. Privacy

What's inside


  • 1VA Math calculator

    Enter your ratings and it combines them the way the VA does: highest first, bilateral factor for paired limbs, rounded once at the end.

  • 2What-if column

    Type a higher rating or a new condition and see the new combined value and where it lands against the 100% line.

  • 3Pay gap

    The monthly, yearly and 20-year difference between your rating and 100%, using the VA's published rates.

  • 4Claim log and benefits checklist

    A place for every date and contact in your claim, and a list of benefits with the official source for each.

Illustrated Vet Money IRL emblem: a veteran in a camo cap in front of a US flag

Channel emblem (illustration)

Why I built it


I spent about 10 years in 2 different branches of the service. I'm rated 80%. My ratings add up to 75, which rounds to 80, and 100% is a lot further away than 20 points. I built this to see the math for myself, and I'm sharing it with you. Todd, Vet Money IRL

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Free. One email with the download link.

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Please read: This tool is education and personal experience, not legal, financial or medical advice. Vet Money IRL is not an accredited claims agent, attorney or Veterans Service Organization and cannot help prepare or file a claim. Your VA decision may differ from this math. For help with a claim, contact an accredited VSO (many are free), claims agent or attorney.