Calculator guideHow the target heart rate calculator works
This calculator uses the Karvonen (heart rate reserve) method. Your heart rate reserve is the difference between your maximum and resting heart rates, and the target adds a percentage of that reserve to your resting rate:
Target HR = resting HR + intensity % × (maximum HR − resting HR)
Because it includes your resting heart rate, it adjusts for fitness better than simple "% of max" methods.
Worked example: a 40-year-old at 70% intensity
- Resting heart rate (measured first thing in the morning): 60 bpm
- Maximum heart rate: estimated at 185 bpm here (see below for estimating it)
- Reserve: 185 − 60 = 125
- Target: 60 + 0.70 × 125 = 147.5 bpm
Estimating maximum heart rate
- 220 − age is the classic formula. At 40, that's 180.
- 208 − 0.7 × age (Tanaka) is often more accurate for older adults. At 40, that's also 180.
Individuals can differ from these estimates by 10–20 bpm either way, so a measured maximum from a supervised test is best.
Training zones (using heart rate reserve)
| Intensity | Zone | Feels like |
| 50–60% | Very light | Easy walking, warm-up |
| 60–70% | Light / aerobic base | Conversational pace |
| 70–80% | Moderate | Breathing harder, short sentences |
| 80–90% | Hard | Threshold, few words |
| 90–100% | Maximal | Short intervals only |
Health guidelines generally recommend at least 150 minutes of moderate activity a week, and many people can get this in the 60–75% range.
Safety
If you have heart disease, high blood pressure, take heart-rate-lowering medication (such as beta-blockers) or are new to exercise, check with your doctor before using heart rate targets. Medication can make heart-rate zones misleading.
How do I calculate my target heart rate?
Resting HR + intensity × (maximum HR − resting HR). For resting 60, max 185 and 70%, the target is about 148 bpm.
How do I measure my resting heart rate?
Count your pulse for 60 seconds after waking, before getting up, over several mornings, and take the average.
What is a good heart rate for fat burning?
Moderate intensity, around 60–70% of heart rate reserve, is sustainable for longer sessions. Total energy used matters more than the zone.
Written by Sam Alex, civil engineer. About the author