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1 tool The most complete way to see everything you've earned.Disability & Compensation
4 tools Know your true rating and what it's worth.VA Combined Rating Calculator
Calculate your true combined rating using real VA math, look up conditions under 38 CFR Part 4, and estimate back pay and Special Monthly Compensation.
C&P Exam Prep
Rehearse your C&P exam for 200 conditions — the exact questions an examiner asks, what each rating tier really measures, and a mock-exam AI chat. Honest reporting, never exaggeration.
VA Secondary Conditions Tool
Map your rated conditions to the secondary claims most commonly connected to them — with the evidence each needs and the Intent to File that protects your back pay. The map law firms charge for, free.
P&T Lifetime Value Calculator
The total lifetime dollar value of a 100% Permanent & Total rating — compensation with SMC stacking, CHAMPVA, Chapter 35 for your kids and your spouse, and property-tax exemptions verified against every state's statute.
Most veterans are under-rated.
A higher combined rating — or 100% P&T — can unlock CHAMPVA, Chapter 35, property-tax exemptions, and six figures in back pay. These tools show what you're actually owed.
Healthcare & CHAMPVA
3 tools The most slept-on benefit in the system — priced honestly.VA Healthcare Navigator
Find your priority group and what you actually pay — then see what each rating rung switches on: 10% deletes every visit copay, 50% deletes med copays, P&T covers your family. Includes the combat-vet free-care countdown and the community care rights the VA won't volunteer.
CHAMPVA Eligibility & Comparison Tool
Check every family member's CHAMPVA eligibility — including the retiree TRICARE bar, the Guard/Reserve gray-area rule the forums get wrong, and TDIU — then watch a catastrophic year run against your real plan until one payment meter stops at $3,000.
Health Coverage After Separation
TRICARE ends at 11:59 p.m. on your last duty day, and a voluntary separation gets zero days of TAMP. See who covers you and your family the next morning — TAMP, CHCBP, VA, CHAMPVA, the marketplace, a spouse's plan, your new employer — on a 24-month timeline with every deadline counted down and every uninsured day in red.
Our family's $1.6M in hospital bills cost $3,000.
CHAMPVA covers the spouse and children of 100% P&T veterans — $0 premiums, a hard $3,000-per-family annual cap on covered care, and no network. Most eligible families have never heard of it.
Education & GI Bill
3 tools Get the most school for your benefit.GI Bill vs. VR&E Optimizer
Find which education benefit pays you more for your specific school, degree, and situation — and how to sequence VR&E and the GI Bill to stretch both.
Education Benefits for Dependents
Chapter 35 vs. Fry vs. Transferred GI Bill at your kid's actual school — with real housing rates by ZIP, every state's tuition program, and the choices that are permanent.
MBA Comparison Tool
Walk your money through the MBA decision in three stages — current pay, in-school income, and Class-of-2025 outcomes across 27 programs — with per-school Yellow Ribbon terms and a 10-year stay-vs-go comparison.
Education benefits stack.
The GI Bill, VR&E, Yellow Ribbon, and Chapter 35 for your kids can layer together. Most veterans leave a chunk of this money unused — these tools show how to use all of it.
Retirement & Pay
3 tools Pension, FERS, and TSP decisions in plain numbers.Military Retirement Calculator
Estimate your pension across all four retirement systems plus Reserve/Guard, with CRDP/CRSC optimization, SBP, Chapter 61 medical retirement, and state tax.
Federal Retirement & TSP Calculator
Project your FERS pension, military service buyback, and TSP growth in one place — see exactly what your federal career is worth at retirement.
What To Do With Your TSP
Keep, roll, or Roth-convert your Thrift Savings Plan at separation. Get a low-bracket conversion ladder, a fee-drag comparison, and an objective verdict.
Career & Transition
4 tools Translate your service into civilian terms and pay.Military-to-Civilian Salary Calculator
See what your military pay is really worth — build your scenario in taps, watch the number live, and get your post-separation target salary with VA disability and SMC included.
Career Pathway Translator
Turn your MOS, AFSC, rating, or NEC into a civilian career roadmap — with target jobs, schools, earnings data, and VR&E/GI Bill sequencing.
Military Credential Transfer Tool
Your MOS already earned you civilian credentials. Enter your job and your state: every credential COOL links to it, and whether the state waives the CDL tests, takes a medic to the NCLEX-PN, shortens the police academy, or credits your training by statute.
Stay or Separate Calculator
Compare the lifetime cash-flow of staying to a 20-year retirement versus separating now into civilian, federal, MBA, or self-employment paths.
Housing
3 tools Buy smart with your VA loan benefit — then use it again.VA Loan Calculator
VA vs FHA vs conventional as a wealth verdict — monthly costs, your state's property tax exemption at your rating, and which loan leaves you richer over your holding period.
Second VA Loan & Entitlement Calculator
Your VA loan isn't one-shot. See your remaining entitlement, your max $0-down second purchase, how restoration works after payoff, and the 2–4 unit house-hack math.
VA Loan Affordability Calculator
A pre-approval is a ceiling, not a budget. See what a lender approves vs. what you can actually live with — built on the VA's residual income tables and the tax-free gross-up nobody explains.
Your VA loan is worth tens of thousands.
One of the most valuable benefits you've earned: $0 down, no private mortgage insurance, and veterans rated 10%+ skip the funding fee entirely. Run your numbers before you talk to a lender.
State & Location
2 tools Where your benefits go furthest — at home or abroad.Best State for Veterans
Compare all 50 states (plus DC and the territories) on property-tax exemptions, income tax, and the full stack of veteran benefits for your situation.
Veteran Freedom Index
Stack your portable income — VA disability, pension, FERS, Social Security, TSP — against cost of living across 47 countries, with visa and healthcare pathways.
Where you live changes everything.
Property-tax exemptions, how your state taxes military retirement, and dozens of state perks can swing your benefits by $20K+ a year — at home or overseas.