Loading is not just “don’t exceed gross weight.”
You must keep total weight and the center of gravity (CG) inside the approved envelope.
Math is simple; judgment is not. Practice:
Weight & Balance Lab (toy airplane, not your AFM).
Why it matters
Controllability / stability: CG position drives longitudinal stability (see stability). Outside limits, elevator authority or recovery can fail.
Structure: overweight raises loads in turbulence and on landing gear.
Performance: higher weight → higher stall speed, longer takeoff/landing, worse climb (stacks with density altitude).
Core math
Pick a fixed reference (the datum). Each loaded item has a weight and an
arm (distance from the datum). Their product is a moment.
The airplane’s balance point is the total moment divided by total weight.
Figure 1. Arms are measured from the manufacturer’s datum (usually near the nose or firewall).
Moment = Weight × Arm · CG = Σ Moments ÷ Σ Weights
Units: weight in lb (or kg), arm in inches (or mm) from datum, moment in lb·in (or equivalent).
Aft of the datum is usually positive.
Term
Meaning
Datum
Imaginary reference plane; all arms measured from it
Arm / station
Distance from datum to an item’s CG
Moment
Weight × arm (rotational “leverage” about the reference)
Basic empty weight
Common starting point (empty + optional equipment; check aircraft records)
Useful load
Max weight − empty (people, bags, usable fuel…)
Payload
Occupants + cargo (fuel separate in many definitions)
Usable fuel
Fuel that can be used in flight (~6 lb/gal avgas rule of thumb)
The two checks
Figure 2. You need both: under max weight and CG inside forward/aft limits (limits can change with weight on real envelopes).
Start with empty weight and empty moment from the aircraft’s W&B data.
Add each item: fuel, seats, baggage—with the correct arm from the AFM/POH.
Sum weights and moments → compute CG.
Compare to max weight and CG envelope (graph or table method in the AFM).
Forward vs aft CG
Figure 3. Same physics as longitudinal stability in Ch. 5—loading is how you move the CG day to day.
Fuel burn and shifts
Burning fuel changes weight and often CG (depends where the tanks are).
Moving bags between compartments changes moment without changing total weight much if only shifting.
When in doubt, recompute for takeoff and for landing (fuel remaining).
Pilot habits
Use this airplane’s current empty weight/moment (equipment changes matter).
Don’t trust passenger “guess weights”—pad for safety.
Heavy + high DA + aft/forward extreme CG is a common accident recipe.