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
❓ 常见问题
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).
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。