The US Navy tape method
The US Navy circumference method was developed by Hodgdon and Beckett in 1984 so that body composition could be checked with nothing but a tape measure. It works because fat is not distributed at random: for a given height, the circumference of the neck and waist predicts total body fat reasonably well in men, and adding the hip measurement does the same for women.
With every measurement in inches, the formulas are: men, body fat % = 86.010 x log10(waist - neck) - 70.041 x log10(height) + 36.76; women, body fat % = 163.205 x log10(waist + hip - neck) - 97.684 x log10(height) - 78.387. If you enter centimeters the calculator converts them first, which is why the constants above only apply to inches. Measure the neck just below the larynx, sloping slightly downward at the front; the waist at the navel for men and at the narrowest point for women; and the hips at the widest part of the buttocks. Keep the tape level, snug but not compressing the skin, and measure at the end of a normal exhale.
A worked example
Take a 30-year-old man who is 69 inches tall, weighs 175 lb, and measures 15 in at the neck and 34 in at the waist. Waist minus neck is 19 in, log10(19) = 1.2788 and log10(69) = 1.8388. So body fat = 86.010 x 1.2788 - 70.041 x 1.8388 + 36.76 = 109.99 - 128.79 + 36.76 = 18.0%, which sits right at the border between the fitness and average bands for men. Fat mass is 175 x 0.18 = 31.5 lb and lean body mass is 143.5 lb.
The same man's BMI is 703 x 175 / 692 = 25.8. The Deurenberg BMI equation gives 1.20 x 25.8 + 0.23 x 30 - 10.8 - 5.4 = 21.7%, about four points higher. That gap is typical: BMI-based estimates cannot see where the weight sits, so they overestimate fat in muscular people and underestimate it in people with little muscle. When the two disagree sharply, the tape result is usually the better guide.
Reading the number
The American Council on Exercise publishes the categories most US gyms use. For men: 2-5% essential fat, 6-13% athletes, 14-17% fitness, 18-24% average and 25% or more obese. For women, whose bodies require more essential fat: 10-13% essential, 14-20% athletes, 21-24% fitness, 25-31% average and 32% or more obese. Sustained levels near the essential-fat floor are unhealthy and, in women, often stop menstruation.
No tape-based estimate is exact. Validation studies put the Navy method within about 3-4 percentage points of hydrostatic weighing for most adults, with larger errors for very lean athletes, people with a lot of loose skin after major weight loss, and during pregnancy. Body scales that use bioelectrical impedance are similarly rough and swing with hydration. What the tape does well is track change: if your waist drops an inch while your weight holds steady, you are losing fat and keeping muscle, whatever the absolute percentage says.