How do I choose a bike speed?

Use the average speed of a recent ride of a similar length on similar terrain, not your best flat ride. Then adjust for the course: hills and wind lower it. On the longer distances pick a speed you can hold for the whole leg and still have enough left to run.

What do T1 and T2 include?

T1 runs from leaving the water to starting the bike, including the run to your bike and, if you wear one, taking off the wetsuit. T2 runs from getting off the bike to starting the run. Both depend on the venue and on how you set up, so time your own.

Where do I find my race's cut-off times?

In the athlete guide or the race rules of your event, usually as a time from the swim start for the swim exit, the end of the bike and the finish. The limits prefilled here are only examples from 2026 race pages. Always check your own race, because they differ between events.

How accurate is the predicted finish time?

It is exactly as accurate as the paces you enter. The calculator adds up your numbers and ignores terrain, wind, heat, the course profile and fatigue. Use paces from recent training or a past race over the same distance, and treat the result as a target, not a promise.

Which distances can I calculate?

1/8: 475 m, 22.5 km, 5.3 km. Sprint: 750 m, 20 km, 5 km. 1/4: 950 m, 45 km, 10.5 km. Olympic: 1.5 km, 40 km, 10 km. Half distance: 1.9 km, 90 km, 21.1 km. Full distance: 3.8 km, 180 km, 42.2 km. Organisers often round the 1/8 and 1/4, so check your course map.

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Triathlon finish time calculator

Enter the pace you expect to hold in the swim, bike and run, plus your transition times, and get a split for every leg, the clock after each one and your finish time. For the half and full distance you can also check how much time you have to spare against the cut-off limits.

Distance

Swim pace per 100 m

T1, swim to bike

Bike speed (km/h)

T2, bike to run

Run pace per km

Type times as m:ss or just the digits: 210 is 2:10. Bike speed is in km/h.

Cut-off limits (optional)

Measured from your own start. Leave a box empty to skip that limit.

No example limits for this distance. If your race has limits, enter them from its athlete guide. How cut-off times work

Swim limit

Swim, T1 and bike limit

Overall limit

Type h:mm, for example 8:30 or 830.

Finish time 3:00:43

Your splits
Leg	Split	Clock
Swim1500 m · 2:10 /100 m	32:30	32:30
T1	3:00	35:30
Bike40 km · 28 km/h	1:25:43	2:01:13
T2	2:00	2:03:13
Run10 km · 5:45 /km	57:30	3:00:43

The clock runs from your start. T1 is the change from swim to bike and T2 from bike to run.

Example: an olympic distance race

A swim at 2:10 per 100 m, 3 minutes in T1, a bike at 28 km/h, 2 minutes in T2 and a run at 5:45 per km. Change the inputs above for your own numbers.

Finish time 3:00:43

Splits for an olympic distance race: swim 2:10 per 100 m, bike 28 km/h, run 5:45 per km
Leg	Split	Clock
Swim1500 m · 2:10 /100 m	32:30	32:30
T1	3:00	35:30
Bike40 km · 28 km/h	1:25:43	2:01:13
T2	2:00	2:03:13
Run10 km · 5:45 /km	57:30	3:00:43

How the calculator works

Swim. Your distance divided by 100 m, times your pace per 100 m. At 2:10 per 100 m, 1,500 m takes 32:30.

Bike. Your distance divided by your average speed. At 28 km/h, 40 km takes 1:25:43.

Run. Your distance times your pace per km. At 5:45 per km, 10 km takes 57:30.

Transitions and the clock. T1 and T2 are times you enter. Every split is rounded to whole seconds, and the clock after each leg is the sum of the splits before it, so the last row is your finish time.

Cut-offs. Each limit is compared with your clock at that point: the swim limit with the clock at the swim exit, the second limit with the clock after swim, T1 and bike, and the overall limit with your finish time. The margin is the limit minus your clock, so a positive margin is time to spare. Limits are measured from your own start. If your race times everyone from the first wave, add the gap between that start and yours.

Choosing paces. Enter the pace you expect to hold on race day. On the longer distances pick a pace you could keep for the whole leg, which is usually slower than in a shorter session.

Sources

Distances come from the sport's governing body and from an organiser's own FAQ. The calculator does not use other athletes' data.

World Triathlon: race distancesSwim, bike and run lengths of the sprint and olympic distance. Read in November 2026.
Race organiser FAQ: distancesSwim, bike and run lengths of the half and full distance. The 1/8 and 1/4 are the same fractions of the full distance. Read in November 2026.
Guide: triathlon cut-off timesTypical cut-off times by distance and how to plan around them.

Limits

This is arithmetic on the paces you enter, so it is only as good as those paces. It ignores terrain, wind, heat, the course profile and whether you swim in a wetsuit. Any of them can move a leg by minutes, and fatigue means a run after the bike is usually slower than a fresh one.

Transitions vary by venue. A long run from the water to your bike or a big transition area can add minutes, so time your own on a practice run when you can.

The distances are the common ones. Some events are a few hundred metres shorter or longer, so check your race's course map. The 1/8 and 1/4 distances are the exact fractions of the full distance, and organisers often round them, for example a quarter as 1 km, 45 km and 10.5 km. The cut-off limits prefilled for the half and full distance are examples from 2026 race pages. Your race publishes its own in the athlete guide, and those are the ones that count.

Frequently asked questions

Plan your training around this finish time

Tuffr is an iPhone app for races made of segments. It will compare your tests with splits like these, show the gaps and build a plan that closes them. The beta opens on TestFlight by the end of November 2026; ask for access.

Ask for beta access Read the triathlon guides