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Body Fat Percentage Calculator

Estimate your body fat percentage using measurements like waist, neck, and hip circumference. Provides a general indication — not a clinical measurement.

By Konstantin IakovlevPublished 28 March 2026Last reviewed
Data stays on your deviceVerified formula

About this calculator

This calculator implements US Navy body fat method + NZ MoH guidance from U.S. Navy method. Last consulted 20 January 2026. Verify the figures yourself by following the link.

Body fat % healthy ranges (ACSM)

American College Sports Medicine
  • Men — essential fat: 2-5%
  • Men — athletic: 6-13%
  • Men — fitness: 14-17%
  • Men — average: 18-24%
  • Women — essential: 10-13%
  • Women — athletic: 14-20%
  • Women — fitness: 21-24%
  • Women — average: 25-31%

Disclaimer

This calculator provides estimates for general information purposes only. Results are based on standard formulas and may not reflect your individual circumstances. Always consult a qualified professional for advice specific to your situation.

How body fat % is calculated (US Navy)

Uses height + neck + waist (+hip for women) circumferences. Accurate to within 3-4% for most people.

  1. 1

    Men: formula

    BF% = 86.010 × log₁₀(waist − neck) − 70.041 × log₁₀(height) + 36.76

    All measurements in cm.

  2. 2

    Women: formula

    BF% = 163.205 × log₁₀(waist + hip − neck) − 97.684 × log₁₀(height) − 78.387

    Add hip measurement for women.

  3. 3

    Healthy ranges

    Men: 8-20% · Women: 18-30% (varies by age)

    Lower = athletic, higher = obese.

Frequently Asked Questions

What is a healthy body fat percentage?
Healthy body fat percentage ranges differ by sex and age. For adult women, a healthy range is generally 20–35%; for adult men, 8–24%. These are broad categories — athletes may fall below these ranges, and ranges vary slightly between different health organisations. The American Council on Exercise (ACE) classifies body fat as: essential fat (women 10–13%, men 2–5%); athletes (women 14–20%, men 6–13%); fitness (women 21–24%, men 14–17%); acceptable (women 25–31%, men 18–24%); and obese (women 32%+, men 25%+). In New Zealand, health assessments for weight-related risk increasingly use body fat percentage alongside BMI and waist circumference, as BMI alone can misclassify muscular individuals. New Zealand health guidelines are broadly consistent with international standards. Source: American Council on Exercise; NZ Ministry of Health (health.govt.nz).
How is body fat percentage measured?
There are several methods for measuring body fat percentage, each varying in accuracy and accessibility. DEXA (Dual-Energy X-ray Absorptiometry) scanning is the gold standard — highly accurate but requires specialist equipment and costs $100–200 in New Zealand clinics. Hydrostatic (underwater) weighing is also highly accurate but less commonly available. Skinfold callipers, used by trained practitioners to measure fat thickness at multiple body sites, are widely available and reasonably accurate (±3–4%). Bioelectrical Impedance Analysis (BIA) scales are common in gyms and homes — convenient but can vary with hydration levels. The US Navy circumference method uses waist, hip, and neck measurements to estimate body fat — less precise but requires only a tape measure. Online calculators typically use the Navy method or BMI-derived estimates. Source: CSIRO; American College of Sports Medicine (acsm.org).
Is body fat percentage better than BMI?
Body fat percentage is generally considered a more accurate measure of health risk than BMI (Body Mass Index), as it directly measures the amount of fat tissue relative to total body mass. BMI only uses height and weight, so it can misclassify muscular individuals (e.g., rugby players) as overweight, and can underestimate health risks in people with normal weight but high fat levels ('skinny fat'). However, BMI remains widely used in New Zealand and internationally because it is free, non-invasive, and easy to calculate. Research shows both measures have limitations: waist circumference is also a strong predictor of metabolic disease risk. The NZ Ministry of Health uses BMI alongside waist circumference as screening tools. For individuals with concerns about body composition, body fat percentage testing provides more actionable information. Source: NZ Ministry of Health — Weight Management (health.govt.nz).
What are the health risks of high body fat?
Excess body fat, particularly visceral fat (fat stored around internal organs), is associated with significantly increased risks of several serious health conditions. These include: type 2 diabetes; cardiovascular disease (heart attacks and stroke); high blood pressure (hypertension); certain cancers (breast, colon, endometrial); sleep apnoea; fatty liver disease (NAFLD); and osteoarthritis. In New Zealand, obesity-related health costs are estimated to exceed $2 billion annually, and obesity is a leading driver of preventable premature death. Māori and Pacific peoples in New Zealand have disproportionately higher rates of obesity and associated conditions, partly driven by socioeconomic factors and healthcare access. Losing even 5–10% of body weight when overweight or obese can significantly reduce these risks. Source: NZ Ministry of Health — Obesity (health.govt.nz).

Estimates body fat percentage using circumference measurements (US Navy formula) or skinfold callipers. NZ health guidelines suggest healthy body fat ranges of 8-19% for men and 21-33% for women.

How this calculator works

US Navy formula (men): %fat = 495 / (1.0324 - 0.19077 x log10(waist - neck) + 0.15456 x log10(height)) - 450. The women's formula also incorporates hip circumference. Skinfold methods require callipers. Both are estimates; DEXA scan is the gold standard for accuracy.

Healthy Body Fat Ranges (NZ Health Guidelines)

Men - healthy8-19%
Men - overweight20-25%
Men - obese>25%
Women - healthy21-33%
Women - overweight34-39%
Women - obese>39%

BMI does not account for muscle mass. Body fat % is a more precise measure of body composition.

Worked Examples

Man: height 185 cm, waist 90 cm, neck 40 cm (US Navy formula)

Estimated body fat ~20% — upper end of healthy/borderline overweight.

  1. Waist - neck = 90 - 40 = 50 cm
  2. log10(50) = 1.699
  3. log10(185) = 2.267
  4. %fat = 495 / (1.0324 - 0.19077 x 1.699 + 0.15456 x 2.267) - 450
  5. Calculate: approx 495 / (1.0324 - 0.3243 + 0.3504) - 450 = approx 18-20%

Woman: height 165 cm, waist 80 cm, hip 95 cm, neck 35 cm

Estimated body fat ~30% — within healthy range for women.

  1. Navy formula for women adds hip to the calculation
  2. Result approx 30% body fat
  3. Classification: healthy range (21-33% for women)

Built and maintained by Konstantin Iakovlev. Data sourced from the IRD and official New Zealand government sources.

Last reviewed: