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Body Fat Calculator

17.4% body fat is the result for a 5-foot-10 man at 180 pounds with a 15 inch neck and a 34 inch waist. That is 31.3 lb of fat mass and 148.7 lb of lean mass, between the fitness band and the average band.

Enter height, neck, waist and hip to estimate body fat with the U.S. Navy tape formula, plus fat mass, lean mass and a BMI based cross-check.

By the Lelifi editors ·

Key takeaways

A 40 year old man at 17.4% on the ACE categoriesEssential 2-5%2Athletes 6-13%6Fitness 14-17%14Average 18-24%18Obese 25%+253217.4%
A 17.4% reading on the ACE categories for men
Where 180 pounds splits at 17.4% body fat31.3 lb148.7 lbFat mass 31.3 lb (31.3 lb)Lean mass 148.7 lb (148.7 lb)
Fat mass and lean mass at 180 pounds and 17.4%
On this page
  1. What this calculator estimates
  2. How the tape formula works
  3. Worked example: a 5-foot-10 man at 180 pounds
  4. Worked example: a 5-foot-4 woman at 135 pounds
  5. How much the tape moves the number
  6. The reference chart for both sexes
  7. Body fat, BMI and the bathroom scale
  8. Reading your number without overreading it

What this calculator estimates

Body fat percentage is the share of your weight that is fat tissue, with the rest counted as lean mass: muscle, bone, organs and water. A 180 pound man at 17.4% carries about 31 pounds of fat and 149 pounds of everything else. Two people can weigh the same and have different percentages, which is the whole reason the number exists.

This page estimates it two ways from things you can do at home. The first is the U.S. Navy tape method, which uses height and a few circumferences to predict body density and then converts that density to a percentage. The second is a formula built on body mass index and age, included as a cross-check because it needs nothing but a scale.

Neither one is a lab measurement. A DEXA scan, which reads bone, fat and lean tissue directly, is the usual research standard, and the tape method typically lands within 3 to 4 percentage points of it. That is close enough to see a trend over 12 weeks and not close enough to argue about a single point.

If you are a woman and want the hip measurement walked through step by step, the body fat calculator for women covers the female formula on its own terms. This page runs both sexes, compares the methods, and explains what the result does and does not mean.

How the tape formula works

The Navy equation was built from measured sailors and Marines in the 1980s, and it is still the standard field method because a tape costs nothing and the arithmetic is short. All three inputs go in as centimeters, so inches are multiplied by 2.54 first.

Three details make or break the result. The log is base 10, not the natural log. The waist is measured at the navel for men and at the narrowest point of the torso for women, with the tape level all the way around. The neck is measured just below the larynx, without tensing or tucking the chin.

The 495 and 450 come from the Siri equation, which turns an estimated body density into a fat percentage. The rest of the formula is the density prediction, and it assumes an average build. A lifter with a 32 inch waist and a 17 inch neck will read differently from a person with the same waist and a 14 inch neck, and that difference is real enough that the method is best used on yourself over time rather than as a verdict on a stranger.

Worked example: a 5-foot-10 man at 180 pounds

Inputs: height 70 inches, weight 180 pounds, age 40, neck 15 inches, waist 34 inches.

At 180 pounds that is 180 x 0.174 = 31.3 lb of fat and 180 - 31.3 = 148.7 lb of lean mass. On the categories most gyms use, the fitness band for men ends at 17% and the average band starts at 18%, so 17.4% sits in the narrow gap between them: leaner than the average man and just short of the fitness band.

The cross-check is worth doing. BMI is 703 x 180 / 70 / 70 = 25.8, which is just inside the overweight range, and the age-based formula gives 1.20 x 25.8 + 0.23 x 40 - 10.8 - 5.4 = 24.0%. The two estimates differ by 6.6 points. That gap is normal: the BMI formula assumes an average amount of muscle for a given height, and a man with a 34 inch waist usually carries more muscle than the assumption allows.

Worked example: a 5-foot-4 woman at 135 pounds

Inputs: height 64 inches, weight 135 pounds, age 32, neck 12.5 inches, waist 28 inches, hip 38 inches.

Her fat mass is 135 x 0.27 = 36.5 lb and her lean mass is 135 - 36.5 = 98.5 lb. On the same categories, 27.0% is in the average band for women, which runs from 25% to 31%.

Her BMI is 703 x 135 / 64 / 64 = 23.2, a normal weight, and the BMI based formula returns 1.20 x 23.2 + 0.23 x 32 - 5.4 = 29.8%. Here the two estimates are 2.8 points apart, closer than the man's gap because her build is closer to the average the BMI formula assumes. When the two numbers disagree by more than about 5 points, trust the tape more and check that the waist was measured in the right place.

How much the tape moves the number

Measurement error is not spread evenly. The waist carries most of the signal, which means a half inch mistake at the navel moves the result more than anything else you can do wrong. This table holds the 5-foot-10 man at 180 pounds and his 15 inch neck fixed, and changes only the waist.

WaistWaist minus neckBody fatCategory
32 in43.2 cm13.4%Athletes
33 in45.7 cm15.5%Fitness
34 in48.3 cm17.4%Fitness
35 in50.8 cm19.3%Average
36 in53.3 cm21.1%Average
37 in55.9 cm22.9%Average

One inch of waist is worth about 1.9 points at this height and weight, and two inches is worth 3.7 points. Three inches moves a man from the fitness band into the middle of the average band without a single pound changing. That is why the categories should be read as a range and why the same person should measure the same way every time: same spot, same tension on the tape, same time of day.

Weight and hip change the picture less than most people expect. Adding 10 pounds of fat to the same waist is unlikely in real life, but the formula would barely register it if the waist stayed put, which is a known weakness of circumference methods on people who carry fat in the hips and thighs.

The reference chart for both sexes

These are the categories published by the American Council on Exercise, the chart most gyms and trainers quote. They describe fitness levels, not medical thresholds.

CategoryMenWomen
Essential fat2% to 5%10% to 13%
Athletes6% to 13%14% to 20%
Fitness14% to 17%21% to 24%
Average18% to 24%25% to 31%
Obese25% and up32% and up

The gap between the columns is not arbitrary. Women carry roughly 8 to 10 points more essential fat for reproductive and hormonal tissue, so a woman at 24% and a man at 15% can be at comparable levels of leanness. Comparing a percentage across sexes is a mistake, and comparing it across ages is a smaller one: the same person tends to gain fat and lose muscle with age, so 20% at 30 and 20% at 60 are not the same body.

Where the chart is silent is the middle. A man at 17.4% is a rounding error from both bands, and half an inch of waist is inside the measurement error of the tape. Someone living at that boundary should look at a 12 week trend, a waist measurement, and how clothes fit, rather than at a single reading.

Body fat, BMI and the bathroom scale

Four numbers describe the same body, and each one is blind to something the others see.

MethodWhat it usesTypical errorBest use
Navy tapeHeight, neck, waist, hip3 to 4 points vs DEXATracking a trend at home
BMI formulaHeight and weight onlyMisses muscle entirelyScreening a population
Bioimpedance scaleA small current through the feet3 to 5 points, moves with hydrationDaily direction, not absolute level
DEXA scanTwo x-ray energies1 to 2 pointsA baseline worth paying for once

BMI is the cheapest screen and the least personal. Its cutoffs come from population data, and the CDC adult BMI calculator is the standard reference for them. A 5-foot-10 man at 180 pounds scores 25.8, which is labeled overweight, while his tape estimate of 17.4% is in the fitness band. Both are correct about different things: he is heavy for his height and lean for his weight.

The practical order is to use BMI once to see whether the range is worth worrying about, then use the tape for the actual number, then use a DEXA scan only if you are training for something where the difference matters. The bathroom scale stays useful for daily noise control, not for judging body composition.

Reading your number without overreading it

A body fat percentage is a description, not a diagnosis. The number is most useful in three situations: as a starting point before a training block, as a check every 8 to 12 weeks, and as a way to tell whether a weight change came from fat or from muscle.

The floor matters more than the target. Essential fat is 2% to 5% for men and 10% to 13% for women, and staying near those numbers for long stretches is not a healthy place to live. Men who drop under about 6% and women under about 14% commonly report disrupted sleep, poor training recovery and hormonal changes. If a plan is pushing you toward the bottom of the chart, that is a conversation for a doctor or a registered dietitian, not a spreadsheet.

At the other end, the obese category starts at 25% for men and 32% for women, and it is associated with higher risk of type 2 diabetes and heart disease. That association is about populations. One person at 26% with a 32 inch waist and normal blood pressure is not in the same position as another at 26% with a 44 inch waist, and only a clinician can tell the difference.

The calculator runs in your browser, keeps nothing, and is not medical advice. Use it to get a direction and a trend, then take the trend to someone qualified if it worries you.

Frequently asked questions

What is a healthy body fat percentage?

The ACE chart puts the fitness band at 14% to 17% for men and 21% to 24% for women, with the average band at 18% to 24% for men and 25% to 31% for women.

How accurate is the Navy body fat method?

It typically lands within 3 to 4 percentage points of a DEXA scan. Waist measurement error moves it most: on a 5-foot-10 man, one inch of waist is worth about 1.9 points.

What is 17.4% body fat for a man?

It sits between two bands: the ACE fitness band for men ends at 17% and the average band starts at 18%. At 180 pounds it works out to 31.3 pounds of fat and 148.7 pounds of lean mass.

What measurements do I need for a man?

Height, neck and waist, in inches or centimeters. Enter 70 inches for 5-foot-10 and use a waist measured at the navel with the tape level.

What measurements do I need for a woman?

Height, neck, waist and hip. The hip is measured at the widest point of the buttocks, and the waist at the narrowest point of the torso, not at the navel.

Why does the BMI formula give a different number?

The age-based BMI formula assumes average muscle for a given height. A 5-foot-10 man at 180 pounds reads 17.4% on the tape and 24.0% on the BMI formula, a 6.6 point gap that comes from his build.

Is 25% body fat bad for a man?

It is the first point of the ACE obese band, which starts at 25% for men and 32% for women. Risk depends on where the fat sits and on blood pressure, blood sugar and waist size, so treat it as a prompt for a checkup rather than a diagnosis.

How often should I measure?

Every 8 to 12 weeks is enough. Water, sodium and time of day move the tape result by a point or two, which makes weekly readings noise rather than signal.

Can I use this if I have a lot of muscle?

The tape handles muscle better than BMI does, but lean or muscular people still get underestimated. If you are near 10% as a man or 18% as a woman, a DEXA scan is a better check.

Does body fat percentage change with age?

Yes. Adults tend to gain fat and lose muscle with age, so the same percentage at 30 and 60 can describe different bodies. The ACE chart is not age stratified for that reason.

What is the difference between fat mass and lean mass?

Fat mass is the weight of fat tissue and lean mass is everything else. A 135 pound woman at 27.0% has 36.5 pounds of fat mass and 98.5 pounds of lean mass.

Why is my smart scale different from this?

Bioimpedance scales send a small current through your feet and read hydration as much as fat, with typical errors of 3 to 5 points. Use them for direction, not as an absolute number.

Is 30% body fat healthy for a woman?

It is in the average band, which runs 25% to 31%. The obese band starts at 32%, and where you sit inside the average band matters less than waist size and metabolic markers.

Does the calculator work in centimeters?

The form takes inches because most US tape measures are marked that way, and converts with a 2.54 multiplier inside the formula. To use centimeters, divide by 2.54 and enter the inch value.

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