Direct answer (Karvonen formula): Target HR = (HRmax − resting HR) × intensity% + resting HR. Max HR ≈ 220 − age (Tanaka: 208 − 0.7 × age). A 35-year-old with a 60 bpm resting rate (max 185, reserve 125) gets Zone 2 = 135–148 bpm, Zone 3 = 148–160, Zone 4 = 160–173, Zone 5 = 173–185. Measure resting HR in the morning before getting up for the most personal numbers.

Your Numbers

Heart-Rate Reserve
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The Five Training Zones

Zone% of reserve≈ % of max HRFeels likeTrains
Zone 1 · Recovery50–60%~60–70%Very easy; could singWarm-ups, active recovery, blood flow
Zone 2 · Aerobic base60–70%~70–77%Conversational, all-day paceFat oxidation, endurance base, mitochondria
Zone 3 · Tempo70–80%~77–85%Sentences get shortAerobic power, race pace for long events
Zone 4 · Threshold80–90%~85–93%Hard; single wordsLactate threshold, VO2 base work
Zone 5 · VO2 max90–100%~93–100%Maximal; no talkingTop-end speed, VO2 max intervals

Zone boundaries follow the widely used five-zone heart-rate-reserve model (ACSM-style intensity bands). The ≈% of max HR column assumes a typical resting rate near 60 bpm; your exact equivalents shift with your resting HR.

Age-Predicted Max Heart Rate

AgeClassic (220 − age)Tanaka (208 − 0.7 × age)Zone 2 floor (60%, RHR 60)

Both formulas carry a standard deviation of roughly 10–12 bpm versus a true measured max, so treat yours as a center, not a ceiling. Tanaka tends to fit better past age 40; the classic overestimates for younger adults.

How the Heart Rate Zone Calculator Works

Training by heart rate turns "run easy" into a number. The Karvonen method is the version that respects your physiology, because it keys off heart-rate reserve, the gap between your max and your resting rate, rather than a raw percentage of max that ignores how fit you already are.

The formula

HRmax = 220 − age (or Tanaka's 208 − 0.7 × age). Heart-rate reserve (HRR) = HRmax − resting HR. Zone boundaries = HRR × intensity + resting HR, with intensities 50/60/70/80/90/100% marking the edges of the five zones. Two people with the same max but different resting rates get different zones; that's the point.

How to use it

Take your resting HR over three mornings and average it; one morning after bad sleep or strong coffee will skew every zone. Pick the classic formula unless you're over 40 or have reason to distrust 220 − age, in which case Tanaka is the better default. If you've ever seen your heart rate in a hard 10-minute effort or a race finish, that reading beats both formulas: choose custom and enter it.

Worked example 1: the 35-year-old

Age 35, resting 60 bpm. HRmax = 220 − 35 = 185; reserve = 185 − 60 = 125. Zone 2 spans (125 × 0.60) + 60 = 135 bpm to (125 × 0.70) + 60 = 147.5 ≈ 148 bpm. Zone 3 tops at (125 × 0.80) + 60 = 160; Zone 4 tops at 172.5 ≈ 173; Zone 5 runs to 185. On a run, 135–148 is where full sentences live.

Worked example 2: the 52-year-old

Age 52, resting 70 bpm. HRmax = 168; reserve = 98. Zone 2 = (98 × 0.60) + 70 = 128.8 ≈ 129 bpm up to (98 × 0.70) + 70 = 138.6 ≈ 139 bpm. Note how much lower that sits than the generic "140–155 Zone 2" charts: ignoring the higher resting rate would push this runner out of the aerobic base they're trying to build. Under Tanaka, max becomes 208 − 36.4 = 171.6 ≈ 172 and every zone shifts up about 4 bpm.

Frequently Asked Questions

What is the Karvonen formula?

Target heart rate = (HRmax − resting HR) × intensity% + resting HR. The heart-rate reserve (HRmax minus resting) is the range your heart can actually expand into during exercise, so the formula gives more personalized zones than plain percentages of max. For a 35-year-old with a 60 bpm resting rate, Zone 2 at 60% intensity is (185 − 60) × 0.60 + 60 = 135 bpm.

What heart rate is Zone 2?

Zone 2 is 60 to 70% of heart-rate reserve: the conversational, all-day-possible pace that builds aerobic base and fat oxidation. For a 35-year-old with a 60 bpm resting heart rate that's 135 to 148 bpm. You should be able to speak full sentences; if you can sing, you're drifting into Zone 1.

How do I find my resting heart rate?

Measure it first thing in the morning before getting out of bed, counting your pulse for 60 seconds (or 30 seconds and doubling). Average three to five mornings. Typical adults rest between 60 and 100 bpm; regular exercisers often sit in the 50s and endurance athletes in the 40s. Caffeine, poor sleep, stress, and illness all elevate it, so ignore outlier mornings.

Which max heart rate formula is most accurate?

None of them, individually: measured max has a standard deviation of 10 to 12 bpm no matter the equation. Tanaka (208 − 0.7 × age) fits adults over 40 better than the classic 220 − age, which skews high for younger people. If you have a lab test or a hard-effort reading from a race, enter it as a custom max; real data always beats an estimate.

Is the fat-burning zone real?

Yes, but it's widely misread. At Zone 2 intensity fat supplies a larger share of the fuel, but a smaller share of a bigger total; higher zones burn more absolute fat AND more total calories. The practical value of Zone 2 is that you can do lots of it, recovering quickly, which builds the machinery that burns fat at every intensity.

How much Zone 2 versus high intensity should I do?

The polarized pattern most endurance coaches use is roughly 80% of weekly training time in Zones 1–2 and 20% in Zones 4–5, with Zone 3 used sparingly. For general health, 150 minutes of moderate (Zone 2–3) activity a week plus two strength sessions matches the physical-activity guidelines and needs no high-intensity work at all.

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