Body fat calculator???

Ok so I saw someone on a forum mention body fat calculators...so I googled one (fitbie) punched in all my measurements and it came back saying 27.81% which according to that site was in the acceptable range but my bmi i believe said morbidly obese??? I'm 5' 5 214 & wear mostly 14 jeans some 12s some 16s depending on brand. So according to that id havr to lose 5% body fat to be "normal" & about 8% to be athletic....but it seems like i have a lot more fat than that...i know my lean mass was just under 130 last summer when i went wl clinic....how do I figure out i my deal weight using bf%? Or should I base it on the bmi chart??