Body Fat Calculator
US Navy Method & BMI-Based Body Fat Estimation
Enter your body measurements to calculate body fat percentage, fat mass, lean mass, and fitness category.
📏 What is Body Fat Percentage?
Body Fat Percentage is the proportion of fat in your total body weight. It is a more accurate health indicator than BMI, as two people with the same weight can have very different health profiles depending on their muscle-to-fat ratio.
📝 How to Use
- Select your gender
- Enter your height (cm) and weight (kg)
- Choose calculation method (Navy or BMI)
- For Navy method, enter neck, waist, hip (women) circumference
- Click calculate to see results
💡 Tips for Accurate Measurement
- Measure in the morning on an empty stomach
- Keep the tape snug but do not compress the skin
- Neck: measure at the narrowest point below the larynx
- Waist: measure at navel level horizontally
- Hip: measure at the widest part of the buttocks
❓ FAQ
BMI only uses height and weight and cannot account for muscle mass. Body fat percentage measures actual fat proportion, making it a more accurate health indicator.
The US Navy method is accurate within about 3-4% compared to DEXA scans. It is the most reliable method you can do at home with a tape measure.
For men, 10-20% is healthy; for women, 18-28%. Athletes typically maintain 6-13% (men) or 14-20% (women).
📚 Local Method & Assumption Guide
Formula Logic
Core formulas use public finance, loan, ratio, and unit conversion standards.
Source Scope
References follow publicly available standards and country-level common practices.
Assumptions
Taxes, fees, rates, and limits vary by region and institution.
Result Interpretation
Use this result as a baseline scenario. For decisions, compare with your lender quote and local tax treatment.
Locale Preset
Currency: USD
Units: imperial
Tax logic: US payroll estimate
Regulatory Note
This tool uses regional presets for estimation. Contract terms and legal limits may differ by lender, bank, or local law.
Recommended Next Actions
- Compare at least 2-3 local providers before final submission.
- Re-check fees, tax treatment, and prepayment clauses in writing.
- Run a stress scenario with +1-2% interest and lower income.
Before a real financial decision, confirm with local institution rules.