OK, for those of you dieting now - or who might want to in the future - I found this calculator that I hated doing but think the results are pretty accurate for me - and it explains each part:
Fitness Calculator
A lot of pics at the top of the page had red x's for me tonight- but I was still able to scroll down and fill out the part to get the calculations. It shows me that I don't have to lose as much as I want to - but I do need to work on my fat ratio - even after losing - so need to work on different exercises, I guess.