What is Your Personal Fat Threshold (PFT)? A New Way to Think About Health

By 
Dr Amit Kumar Singh
 on 
Dec 5, 2025
 • 
5
 min read

We’ve all heard the paradox: someone can be “thin but unhealthy” or “overweight but fit.” Why does the Body Mass Index (BMI) often fail to predict who develops conditions like Type 2 Diabetes? The problem is that focusing solely on total weight misses the crucial factor: where your body stores fat. The solution lies in understanding the Personal Fat Threshold (PFT) hypothesis.

This new concept explains that your risk for metabolic disease isn’t about your total fat, but about exceeding your body’s unique capacity to store fat safely under the skin. When that limit is breached, fat spills into vital organs, disrupting their function. This article will explain what your PFT is, why protecting your organs matters more than the number on the scale, and how you can manage your risk regardless of your current weight.

Understanding the Personal Fat Threshold (PFT) - Body’s Storage Tank

The PFT hypothesis proposes that each individual has a genetically and lifestyle-determined limit for how much fat can be safely stored in subcutaneous adipose tissue. This subcutaneous storage acts as a protective “fat tank,” allowing the body to sequester surplus energy away from essential organs. 

Problems arise when the tank is full. If one continues to take in more energy than they expend, the excess fat has nowhere to go but to “spill over” into places it doesn’t belong: your liver, pancreas, heart, and muscles. This dangerous spillover is called ectopic fat accumulation.

The PFT model clarifies why two people with the same BMI can have vastly different health profiles. One may have a larger, more resilient subcutaneous tank, while the other hits its overflow point much sooner.

The Protective Mechanism and the Overflow Crisis

Storing fat under the skin is not inherently problematic; in fact, it serves a protective purpose. Subcutaneous fat is relatively inert and helps keep excess energy away from vital organs, where its presence can disrupt normal cellular processes. However, when the body’s PFT is breached, the overflow of fat into visceral and ectopic locations marks the beginning of metabolic crisis. This overflow is particularly dangerous because visceral fat located deep within the abdominal cavity surrounds organs and is metabolically active, producing hormones and inflammatory signals that interfere with normal metabolism.

The Organ Danger Zone: Why Visceral Fat is the Villain

When fat accumulates in your organs, it’s not just inert storage; it becomes metabolically toxic. A liver clogged with fat (hepatic steatosis) becomes less responsive to insulin, the hormone that tells cells to absorb sugar from the bloodstream. Similarly, fat in the pancreas can impair the organ’s ability to produce insulin effectively. This dual dysfunction, insulin resistance coupled with impaired insulin secretion, is the direct pathway to Type 2 Diabetes. Crucially, this process is independent of overall body size. Some individuals have a very low PFT, meaning even at a “normal” BMI, their subcutaneous tank is full, and fat is spilling into their organs, putting them at high risk.

The Role of Genetics and Lifestyle

Your genetics lay the foundation for your PFT by influencing the number and expandability of your subcutaneous fat cells. This is the “nature” component, why some people seem to gain weight easily without immediate metabolic issues, while others show signs of insulin resistance with only modest weight gain. However, lifestyle is a powerful modifier. 

A diet high in processed sugars and fats, combined with physical inactivity, accelerates insulin resistance. This effectively lowers your functional PFT, causing you to hit your spillover point faster. Conversely, a healthy lifestyle can maximise your genetic potential, helping your subcutaneous fat tissue remain functional and protective for longer.

How to Estimate Your PFT Risk

Failing to diagnose a patient by relying on BMI alone risks missing critical metabolic pathology. Assessing waist circumference and waist-to-hip ratio provides direct clinical insight into visceral adiposity and Personal Fat Threshold overflow, which are superior predictors of insulin resistance and cardiometabolic risk.

The Best Indicator: Waist Measurement (Not Weight)

Since the PFT crisis is about visceral fat accumulation, the best proxy is measuring your abdominal circumference. This simple tape measure test is a more direct gauge of metabolic risk than your total weight.

  • Actionable Tip: Measure your waist at the midpoint between the bottom of your ribs and the top of your hipbones, typically right at the navel. Exhale normally and measure.
  • High-Risk Thresholds: A waist circumference greater than 94 cm (37 in) for men and 80 cm (31.5 in) for women indicates a heightened likelihood of exceeding your PFT and carrying dangerous visceral fat. For South Asian populations, thresholds are lower due to differing body composition patterns.
  • Caveat: Very muscular individuals may have a large waist without high visceral fat, so this is a screening tool, not a diagnosis.

The Secondary Check: Waist-to-Hip Ratio

This waist-to-hip ratio provides additional context by comparing abdominal fat to gluteal fat. Lower-body fat (hips and thighs) is generally subcutaneous and less metabolically risky.

  • Actionable Tip: Measure your waist as above, then measure your hips at their widest point. Divide your waist measurement by your hip measurement.
  • Healthy Ratios: Aim for 0.95 or lower for men and 0.80 or lower for women. A higher ratio suggests a more central, android (apple-shaped) fat distribution, which correlates with a higher risk of metabolic disease.

Increasing Your Threshold: The Action Plan

The goal is to lower the fat burden on your organs and improve your body’s insulin sensitivity, effectively raising your functional PFT.

  1.  Prioritise Insulin Sensitivity
    This is the cornerstone. Improving how your cells respond to insulin reduces the hormonal signal to store fat, helps mobilise existing fat stores, and takes pressure off your liver and pancreas.
  2. Lower-Carb, Whole Food Focus
    Refined carbohydrates and sugars cause rapid spikes in blood glucose and insulin, directly promoting fat storage and driving insulin resistance.
    Actionable Tip:
    Reduce ultra-processed foods, sugary drinks, and refined grains. Build your meals around whole foods: non-starchy vegetables (broccoli, leafy greens), quality proteins (fish, poultry, legumes), healthy fats (avocado, nuts, olive oil), and high-fibre, complex carbohydrates (berries, quinoa, sweet potato). This approach stabilises blood sugar and reduces insulin demand.
  1. Move Your Body (Especially Resistance Training)
    Muscle is your body’s largest glucose disposal site. The more metabolically active muscle you have, the more efficiently you can clear sugar from your blood without needing excessive insulin. Exercise also makes muscles more sensitive to insulin.
    Actionable Tip:
    Combine cardio with resistance training. Lifting weights or doing bodyweight exercises (squats, push-ups, rows) builds muscle, which is key for long-term metabolic health. Aim for at least two strength sessions per week.
  1. Optimise Sleep and Stress
    Sleep:
    Chronic sleep deprivation (less than 7 hours) disrupts hormones like cortisol and growth hormone, increases appetite, and significantly impairs insulin sensitivity.
    Actionable Tip:
    Prioritise 7-9 hours of quality sleep. Create a dark, cool, screen-free sleep environment and maintain a consistent bedtime.
  2. Chronic stress: It elevates cortisol, a hormone that promotes fat storage in the abdominal area and makes cells more resistant to insulin.
    Actionable Tip:
    Incorporate daily stress-reduction practices. This could be a 10-minute mindfulness meditation, a walk in nature, or dedicated time for a hobby. Managing stress is not a luxury; it’s metabolic maintenance.

The Biological Evidence: Linking Fat Distribution, Insulin Resistance, and Organ Health

Research underscores the importance of fat distribution over total fat mass in determining health outcomes. Advanced imaging techniques, such as CT scans, have demonstrated that quantifying visceral fat is a more reliable indicator of metabolic risk than BMI or total body fat alone.

Moreover, studies of insulin resistance reveal that its development is closely tied to the accumulation of fat within organs. For example, insulin resistance is associated with increased hepatic (liver) fat and is a critical factor in the development of non-alcoholic fatty liver disease and Type 2 Diabetes.

Further, the metabolic consequences of exceeding the PFT are not limited to glucose regulation. Ectopic fat in muscles impairs glucose uptake, as demonstrated in animal models where insulin resistance in skeletal muscle plays a central role in systemic glucose intolerance following metabolic stress. These findings reinforce the importance of targeting visceral fat, rather than simply focusing on weight loss, for metabolic disease prevention.

Personalised Prevention: The Power of Early Detection and Intervention

Recent advances in wearable technology and blood biomarker analysis have made it possible to detect insulin resistance earlier and more accurately, even before overt symptoms arise. Combining wearable data (such as activity and sleep patterns) with routine blood tests allows for personalised risk assessment and early intervention, particularly in populations most at risk. Early identification enables tailored lifestyle adjustments that can improve insulin sensitivity and potentially restore metabolic health before irreversible damage occurs.

Conclusion

The Personal Fat Threshold shifts the focus from an often-misleading number on the scale to the critical metric of metabolic health. It empowers you with the understanding that your body has a specific limit for safe fat storage, and exceeding it, regardless of your BMI, puts your organs at risk. The path to health isn’t necessarily about becoming thin; it’s about becoming insulin sensitive. By adopting a whole-food diet, engaging in regular strength training, prioritising sleep, and managing stress, you can lower visceral fat, improve your organ function, and effectively expand your body’s capacity for health.

Start today. Grab a tape measure and check your waist circumference. Then, choose one action from the plan above, whether it’s swapping your afternoon snack for a handful of nuts, scheduling two 15-minute walks this week, or setting a consistent bedtime and committing to it. Your Personal Fat Threshold isn’t a fixed sentence; it’s a limit you can influence every day.

Ready to Swap Obesity for a Healthy Life?

You may qualify for the SheMed Weight Loss Programme. Check your eligibility instantly.

Check Eligibility Now

Frequently Asked Questions

1. What's the difference between BMI and the PFT concept?
Answer: BMI only measures total body mass relative to height. The Personal Fat Threshold (PFT) focuses on where your fat is stored, specifically, whether you've exceeded your safe storage capacity and are accumulating dangerous fat inside your organs, which is the real driver of metabolic disease.

2. How is measuring my waist better than weighing myself?
Your waist circumference is a direct proxy for visceral fat around your organs. Weight can't distinguish between muscle, subcutaneous fat, and dangerous visceral fat. A high waist measurement signals you may be exceeding your PFT, regardless of what the scale says.

4. What's the single most effective way to improve my PFT?
Improve your insulin sensitivity. This is achieved primarily by reducing refined carbs and sugars, incorporating strength training to build muscle, and managing stress and sleep.

References

  1. National Heart, Lung, and Blood Institute. (n.d.). Assessing your weight and health risk. Retrieved from https://www.nhlbi.nih.gov/health/educational/lose_wt/risk.htm
  2. Taylor, R., & Holman, R. R. (2015). Normal weight individuals who develop Type 2 diabetes: The personal fat threshold. Clinical Science, 128(7), 405–410.https://doi.org/10.1042/CS20140553 
  3. Sattar, N., & Gill, J. M. R. (2014). Type 2 diabetes as a disease of ectopic fat? BMC Medicine, 12, 123.https://doi.org/10.1186/s12916-014-0123-4 
  4. World Health Organisation. (2011). Waist circumference and waist–hip ratio: Report of a WHO expert consultation. Geneva. https://apps.who.int/iris/handle/10665/44583 
  5. Smith, U., & Kahn, B. B. (2016). Adipose tissue regulates insulin sensitivity: Role of adipogenesis, de novo lipogenesis and novel lipids. Journal of Internal Medicine, 280(5), 465–475.https://doi.org/10.1111/joim.12540
  6. Magkos, F., et al. (2016). Effects of moderate and subsequent progressive weight loss on metabolic function and adipose tissue biology in humans with obesity. Cell Metabolism, 23(4), 591–601. https://doi.org/10.1016/j.cmet.2016.02.005
  7. Cuthbertson, D. J., et al. (2016). What have human experimental overfeeding studies taught us about adipose tissue expansion and susceptibility to obesity and metabolic complications? International Journal of Obesity, 40(6), 855–865.https://doi.org/10.1038/ijo.2016.9
Take charge of how you look and feel.
Backed by science. Guided by experts.

SheMed’s medical weight loss programme combines expert care and science-backed treatment to help you feel and look your best — for life.
The content on the SheMed blog is provided for general informational and educational purposes only. While SheMed provides professional weight loss services and strives to ensure the information shared is accurate and up to date, we make no representations or guarantees as to its accuracy, completeness, or timeliness. This content should not be taken as personal medical advice or a substitute for consultation with a qualified healthcare provider. Always speak with your doctor or licensed medical professional about your individual health or medical needs before starting any new treatment or programme. Never disregard or delay seeking professional medical advice because of something you have read on this site.  SheMed is not responsible for any actions you may take based on the information provided in this blog.

Subscribe to our Newsletter

To receive an email when we go live and other information about our products and services, please leave your email above. To see how we use your email, please click here.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.