body fat percentage calculators

I calculated my body fat on several different calculators online and it ranges from 26% to 40% which is a BIG difference when calculating your BMR, some of them measure different parts of the body, so I am wondering is this reliable? particularly for females, we don't distribute fat evenly and for some a lot of weight will be in the breasts also how does it take in to account different skeletal frames? I measure 33 under my bust which is quite a lot but I don't have an ounce of fat under there I can feel my rib at the front and the bag, so surely it doesn't account for rib cage broadness? same goes for hip some people have wide hips, in my case they are also covered in fat so I can't be sure on that front.