Cholesterol testing is one of the most commonly ordered blood panels, with the American Heart Association recommending screening every 4-6 years for adults over 20. A standard lipid panel reports total cholesterol, HDL (good cholesterol), LDL (bad cholesterol), and triglycerides — but interpreting these numbers requires context. Optimal LDL is below 100 mg/dL, while HDL above 60 mg/dL is considered cardio-protective. The total cholesterol to HDL ratio is a powerful predictor of cardiovascular risk: a ratio below 3.5 is ideal, while above 5.0 signals elevated risk. Many labs report only total cholesterol, HDL, and triglycerides, requiring LDL to be calculated using the Friedewald equation: LDL equals total cholesterol minus HDL minus triglycerides divided by 5. This formula is reliable when triglycerides are below 400 mg/dL. This cholesterol calculator takes your lipid panel values, computes LDL if not provided, calculates all clinically relevant ratios including total/HDL, LDL/HDL, and triglyceride/HDL, then classifies each metric against established guidelines from the ATP III and AHA frameworks. Use it to track your lipid health between doctor visits.
Why all four numbers matter
A 'good' cholesterol report needs all four metrics in healthy ranges, not just total cholesterol. Two people can have identical total cholesterol of 200 but very different cardiovascular risk depending on their HDL and triglycerides. High HDL with moderate LDL is much safer than low HDL with the same LDL. Modern guidelines emphasize the full panel and derived metrics like non-HDL and the total/HDL ratio over total cholesterol alone.
When LDL calculation breaks down
The Friedewald equation assumes a fixed ratio of triglycerides to VLDL cholesterol. This works well when triglycerides are below 400 mg/dL, which covers the vast majority of patients. Above 400, the equation overestimates VLDL and underestimates LDL. In those cases, labs use direct LDL measurement or non-HDL cholesterol as the primary metric. If your triglycerides are above 400, prefer the directly measured LDL or non-HDL value.