RobynIt says that my body fat is 26% but I know that's not right because my stomach is flat and part of my obliques are visible. 1) Of the two websites you listed, WebMD is more accurate, because it's NOT just BMI- but also takes into account 1) AGE (important factor) and 2) pants size, which gives an estimate of your waist.
I think that’s a decent estimate, but it’s hard to determine how rigorous you are working out. The body fat % calculator says that I am 36% body and need to lose around 20lbs (I weigh 169) to see any abs. You can be a sumo wrestler who is over 300 pounds and be a gifted athlete (fit), perhaps healthy as a horse, but also incredibly obese at the same time. I'm not worried about that other than my ass is flatish and all my fat is stored in my stomach. Also, waist circumference is very important since some people (read the comments) can be slim, but have more visceral (belly fat). Continue doing walking, bike riding and swimming (if you like it and have access to a pool), but you'll also need to start some light weight training, so you can begin to build muscle and continue to burn fat, especially visceral fat.

I'm a good size except I have lots of lower belly fat that keeps me from a flat toned stomach.
Female fitness models are in the range of 21-24%, and ripped athletes in the 14-20% bracket.
Belly fat is the most harmful type of fat to the body because it poisons the liver and since belly fat is hormonally active (unlike adipose tissue), it negatively affects the heart's rhythm.
I've been watching what I eat and working out but I feel like nothing is getting me the right results and it's almost summer time.. First it can't tell the difference between a muscular individual and an low muscle mass individual who may weight the same. Im not heavy, just wanted to lose 10 pounds, but despite being very athletic and a personal trainer, yoga and pilates instructor, could not lose those stubborn 10 pounds.
I am working on losing 10 lbs but according to this calculator I am over 35% fat and therefore obese.
The Calorie Calculator will find out your weekly calorie need after analyzing your age, gender, height, weight, and the level of activity you undertake usually.

I suspect your lean body mass is a little lower, and your body fat a little higher than you think. That being said, you said you want to be fit, and fitness is usually defined as the ability to perform physical work. That being said, your goal would to get below 122 pounds while not losing any more lean body mass. Click Here to lose weight (burn fat) and build muscle at the same time but… Start here If you're extremely overweight.

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