Body fat percentage is the share of your mass that is fat, not the rest — muscle, bone, organs, water.
Unlike BMI, it tries to separate those. The catch: the gold-standard scans (DEXA, Bod Pod, underwater
weighing) need a clinic. What we can do at home is estimate, with formulas that stay honest about being
estimates.
The formulas on this page
The headline figure uses the US Navy / Hodgdon circumference method: a tape around the neck and waist
(and hip for women), plus height. It is one of the more reliable simple methods because it sees shape, not
just scale weight. The second figure is Deurenberg’s 1991 equation — BMI, age, and sex. It needs no tape,
but it cannot tell a rugby player from someone with little muscle. Skinfold calipers can be better in trained
hands; they are fiddly to do well on yourself, so we leave them out.
Age, sex, and height
Women carry more essential fat than men — for hormones and reproductive health — so their healthy window sits
higher. Fat also tends to rise with age even in active people. An often-cited set of adult ranges (Gallagher)
is roughly 8–19% for men aged 20–39, 11–21% at 40–59, and 13–24% from 60; for women, 21–32%, 23–33%, and
24–35% in those same bands. “Athletic” and “fitness” bands used on the chart above are tighter than those
health windows — they describe typical sports physiques, not a medical must.
Height does not get its own target percentage. A taller person at 22% simply carries more kilograms (pounds)
of fat than a shorter person at 22%. What height does change is how that fat is distributed and how clothes
fit. Waist size, how you train, and how you feel still tell more than any one percentage.
Treat the number as a map
Tape estimates can sit a few points off a DEXA scan. Hydration, a full stomach, and where you place the tape
all move the result. Very low body fat is not automatically healthier — essential fat is there for a reason —
and a “higher” band is a prompt to look at habits, not a verdict. If the figure worries you, take it to a
qualified clinician.