I can not touch the ground even with my toes when on the seat. My knees are approx. straight above the pedal axel when the pedal is in the 3 o'clock position. My seat is horizontal and not as shown in the picture. When sitting on the saddle and my heels on the pedals and the pedals in the 6 o'clock there is a very slight bend in my knee. I might be able to raise the seat some. I have intentionally fudged a slight amount on the seat height to keep the handlebar/seat height relationship about level. The stem is set at the max. height.