Shoulder-to-Waist Ratio (S:W) is calculated as shoulder circumference ÷ waist circumference.
Calculator
Use the same unit for both measures. S:W is unitless, so cm or inches both work.
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Your result
Rated using common S:W bands (men).
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Target planner
Pick a target ratio and see what your waist would need to be (if shoulders stay the same) or what your shoulders would need to be (if waist stays the same).
S:W is not a medical diagnosis. Waist changes may reflect fat loss, posture, and measurement technique; shoulder changes often reflect muscle gain + posture + delts/lats development.