A hyperthermia applicator design tool consisting of a finite-difference time-domain (FDTD) technique in combination with a graphical display of electric fields and normalized linear temperature rise is described. This technique calculates, rather than assumes, antenna current distributions; it includes mutual interactions between the body and the applicator, and it calculates driving-point impedance and power delivered to the applicator. Results show that the fundamental limitation of 2-D electric-type applicators is overheating of the fat by normal components of the electric field, which exist because of near fields and capacitive coupling with the muscle. Two factors which contribute to the capacitance are the muscle conductivity and the small antenna size in air. Two examples of applicators designed to avoid fat overheating are described: a 27-MHz segmented dipole for heating large tumors to 7 cm depth, and a 100-MHz dipole for small tumors to 5 cm depth. The first uses a water bolus, and the second uses a water bolus with low-permittivity strips to reduce normal fields at the antenna ends. The results of this study describe fundamental limitations of electric field applicators, and illustrate the use of a powerful applicator design tool that allows rapid evaluation of a wide range of ideas for applicators which would require months and years to test experimentally.