She is the daughter of Anne, Princess Royal, and Captain Mark Phillips, and the eldest niece of King Charles III.

As a member of the Great Britain Eventing Team, she won a silver medal at the 2012 Summer Olympics, presented to her by her mother.

Zara Anne Elizabeth Phillips was born on 15 May 1981 in the Lindo Wing of St Mary's Hospital, London.

In June 2003, she announced that she had secured a sponsorship deal with Cantor Index, a leading company in spread betting, to help cover the costs of her equestrian career.

[9] Riding her horse Toytown, Tindall collected individual and team gold medals at the 2005 European Eventing Championship in Blenheim,[10] and individual gold and team silver medals at the 2006 FEI World Equestrian Games in Aachen, Germany, making her the Eventing World Champion until 2010.

[13] She won team gold at the 2007 European Eventing Championships in Italy, but did not defend her individual title in the show-jumping phase of the competition.

[16] On 25 October 2008, Tindall fell from her horse, Tsunami II, at the 15th fence of a cross-country event at Pau, France, and broke her right collarbone.

[27] In August 2020, Tindall was selected for her first appearance on the British Team competing at the FEI Nations Cup in Le Pin au Haras, France.

[28] In October 2021, Tindall competed in Maryland 5 Star at Fair Hill and finished at 11th place with score 30.4, riding Gleadhill House Stud's 12-year-old horse Class Affair.

In 2005, she auctioned one of her evening gowns, worn at the London premiere of the film Seabiscuit, to raise money for tsunami relief.

[33] She is associated with Inspire, a Salisbury-based medical research charity which helps to improve the quality of life of people with spinal cord injuries.

[39] In April 2020, Tindall participated in an Equestrian Relief initiative to provide increased personal protective equipment for National Health Service workers.

[46][47] Her off-the-rack ivory silk dress designed by Stewart Parvin featured "a chevron-pleated bodice, a dropped waist, and a 'cathedral-length' train".

[46][51] The Tindalls lived in Cheltenham, Gloucestershire, before moving to Aston Farm, a seven-bedroom farmhouse next to the Princess Royal's Gatcombe Park estate.

[52][53] Tindall gave birth to a daughter, Mia Grace on 17 January 2014 at Gloucestershire Royal Hospital, who was born 16th, later 23rd in the line of succession.