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Heart Rate Zones Calculator

Find your heart rate training zones. Pick the Karvonen method (factors in your fitness) or standard formula. Know when you're burning fat, building endurance, or pushing your threshold.

On This Page

Used to estimate max heart rate Enter age between 15-100
Measure first thing in morning Enter value between 30-120 bpm
For Gulati formula (women)
Changes weekly distribution Please select a training goal
From stress test or max effort test Enter max HR between 100-220 bpm

Your Heart Rate Summary

Age -
Maximum Heart Rate -
Resting Heart Rate -
Heart Rate ReserveHRR = max HR minus resting HR. Your heart's working range. -
Training Range -
Fitness Level -

Your Heart Rate Zones

Zone Name % Range Heart Rate RPERate of Perceived Exertion: how hard it feels on 1-10 scale. Talk Test

Weekly Training Plan

Based on your goal:

Method Comparison

Zone Karvonen (HRR) Standard (% Max) Difference
Karvonen accounts for your fitness level through resting heart rate, making it more accurate. Standard is simpler but less personalized.

RPE & Talk Test

Use these when you don't have a heart rate monitor:

RPE Zone Description Can Talk?
1-2 Zone 1 Very light Can sing
3-4 Zone 2 Light Full sentences
5-6 Zone 3 Moderate Short phrases
7-8 Zone 4 Hard Few words
9-10 Zone 5 Maximum Can't talk

Heart Rate Zones by Age Chart

Age Max HR Zone 2 (60-70%) Zone 3 (70-80%) Zone 4 (80-90%)
Note: Using standard method (% of max HR). Your actual max can vary ±10-15 bpm from age estimate.

How to Calculate Your Heart Rate Zones

This calculator shows your training zones. You need your age and resting heart rate.

Two methods: Karvonen and Standard.

Karvonen uses your Heart Rate Reserve (max minus resting). It accounts for fitness. Fitter people have lower resting rates—the formula factors this in. More accurate, but you need to measure your resting HR.

Standard is simpler. Just percentages of your max. Works for most people. Doesn't account for fitness differences though.

Measuring Resting Heart Rate

Do this first thing in the morning.

Before you get out of bed, lie still for five minutes. Count your pulse for 60 seconds—fingers on your wrist or neck, not your thumb. Do this several days and average the results.

Your resting rate tells you a lot about fitness and recovery. If it's 5-10 bpm above normal one morning, your body hasn't recovered. Rest or train easy that day.

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What Are Heart Rate Zones?

Zones are heartbeat ranges. Each range triggers different body adaptations.

Most people mess this up. They go too hard on easy days, not hard enough on hard days. Everything ends up in the middle—the "gray zone" problem.

Zone 1 is easy recovery. Zone 5 is all-out. Everything in between has its purpose.

Know your zones and you'll know exactly when you're burning fat, building endurance, or pushing your threshold. No more guessing.

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Maximum Heart Rate

Max HR's the highest your heart can beat during all-out effort.

Classic formula: 220 minus your age. A 35-year-old gets 185 bpm. Simple but can be off by 10-15 beats for many people.

Better formulas exist—Tanaka (208 - 0.7 × age) or Gulati for women (206 - 0.88 × age). Still estimates though, since genetics plays a huge role.

Max HR varies wildly between people. Two 35-year-olds in similar shape can differ by 20 bpm. Training doesn't change your max much—it's mostly genetic. Your max also drops about 1 beat per year after 30, which is normal aging and doesn't mean you're losing fitness.

Testing Your Max

Want your actual max? Get tested at a sports medicine clinic. Or field test yourself—but only if you're healthy and experienced.

Field test: warm up thoroughly, push progressively harder for 3 minutes, then sprint all-out for 1-2 minutes. Your peak rate is your max.

Don't do this if you have heart issues. Stop immediately if you feel chest pain or dizziness.

Resting Heart Rate

RHR's your rate when completely at rest. Measured in the morning before getting up.

Normal: 60-100 bpm. Athletes: 40-60 bpm. Some elite cyclists and runners have RHRs in the 30s. Lower is better because a stronger heart pumps more blood per beat, so it doesn't need to beat as often. Though if you're below 40 bpm without being an athlete, see a doctor.

Lots of things affect RHR beyond fitness—stress, poor sleep, dehydration, illness, caffeine. If your morning RHR's up 5-10 bpm from baseline, something's off. Maybe you need rest. Maybe you're fighting a cold.

You can improve RHR with training. Most people drop 5-15 beats after several months of regular aerobic exercise.

Karvonen Method: Most Accurate Formula

Karvonen uses Heart Rate Reserve—max minus resting. This reserve represents your heart's working range. Fitter people have lower resting rates—the formula accounts for this.

Formula: Target HR = ((Max - Resting) × %Intensity) + Resting

Example: max of 185, resting of 60. That's a reserve of 125 bpm. For Zone 2 at 60%: ((185 - 60) × 0.60) + 60 = 135 bpm. For 70%: ((185 - 60) × 0.70) + 60 = 147.5 bpm. Zone 2 is 135-148 bpm.

Two 35-year-olds, same max of 185. Person A is fit with RHR of 50. Person B is sedentary with RHR of 75. Karvonen gives them different zones—131-149 vs 141-162 bpm. That 10-13 bpm gap reflects their fitness difference. Standard method gives them identical zones, which makes no sense given their fitness difference.

Bonus: as you get fitter and your RHR drops, Karvonen auto-adjusts your zones lower. That's the main reason to use this method.

Standard Method

Straight percentages of max. No resting rate needed.

Formula: Target HR = Max × %Intensity

Example: 35-year-old with max of 185. Zone 2 (60-70%): 185 × 0.60 = 111 to 185 × 0.70 = 130 bpm.

Only advantage: no morning pulse checks required. Just need your age.

It treats everyone the same, though. A fit person and unfit person get identical zones if they're the same age. For someone with average fitness and RHR (60-75 bpm), this works fine. At the extremes—very fit or very unfit—it's less accurate.

Good enough for casual exercisers but not precise enough if you're training seriously.

Training Zones Guide

Zone 1 - Recovery (50-60%)

Very easy—barely above walking pace. You can sing while doing it. Feels too easy to be useful, but that's the point. Use for warm-up, cool-down, recovery between hard sessions. Promotes blood flow without stress. Safe for daily movement.

Duration: 30-90 minutes for recovery. Always spend 10-15 minutes here before harder workouts.

Zone 2 - Fat Burn (60-70%)

Spend most of your training time here—60-70% of total weekly volume. Comfortable, sustainable pace. You can speak in full sentences but not sing.

Called "fat burning" because 60-70% of calories come from fat at this intensity. More important: Zone 2 builds your aerobic engine. Mitochondrial density increases. Your body learns to use fat as fuel.

Duration: 30-120+ minutes. Low injury risk. You can do a lot of it, which is exactly what you want from a foundation zone.

Zone 3 - Aerobic (70-80%)

Moderate intensity. "Comfortably hard." Breathing noticeably elevated. Short phrases only.

The trap: this is the gray zone. Not easy enough for recovery, not hard enough for gains. Most people train here by default. Keep it to 10-15% instead.

Zone 3 works for tempo workouts, but go easier (Zone 2) or harder (Zones 4-5) most of the time.

Zone 4 - Threshold (80-90%)

Hard. You're at lactate thresholdWhere lactate accumulates faster than your body clears it.. Few words only. Breathing is heavy.

Builds speed and improves your threshold and VO2 maxMaximum oxygen your body can use during intense exercise.. Translates directly to better race performance.

Duration: 10-40 minutes. High stress on your body. Requires 48+ hours recovery.

Limit to 1-2 sessions per week. Just 5-10% of weekly volume. Not for beginners.

Zone 5 - Maximum (90-100%)

All-out effort, unsustainable beyond a few minutes. You're gasping and can't speak. This maximizes VO2 max and anaerobic capacity while developing top-end speed. Extremely demanding—only use in short bursts of 30 seconds to 5 minutes max.

Recovery: 48-72 hours. High injury risk if overused.

Should be 0-5% of weekly training. Most recreational athletes don't need regular Zone 5 work.

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Polarized Training: The 80/20 Rule

Proven approach used by elite athletes: 80% at low intensity (Zones 1-2), 20% at high intensity (Zones 4-5). Minimize Zone 3.

Elite runners, cyclists, and rowers all train this way. They go easy most of the time, then hit it hard occasionally. That's how you get better.

Easy days work because they let your body adapt. Your aerobic system develops best with high volume, low intensity. And you're fresh enough to push hard when it counts.

Compare that to what most people do: moderate effort all the time. Too hard to recover properly, not hard enough for real adaptations. You end up chronically fatigued with slow progress.

Make easy days actually easy. Use your monitor to enforce discipline. Make hard days genuinely hard. Trust the science—it works.

The Fat Burning Zone Myth

Zone 2 gets called the "fat burning zone"—you'll see it marked on cardio equipment. At this intensity, about 70% of calories come from fat. Seems like the best choice for weight loss, but there's more to consider.

Higher intensities burn more total calories per minute. Even though a smaller percentage comes from fat, the total fat calories can be equal or higher.

30-Minute Workout:

Zone 2: 200 total calories. 70% from fat = 140 fat calories.

Zone 4: 350 total calories. 40% from fat = 140 fat calories.

Same fat calories burned. But Zone 4 burned 150 more total calories.

High-intensity exercise also creates "afterburn"—elevated metabolism for hours after. Zone 2 doesn't.

Best strategy for weight loss? Mostly Zone 2 (sustainable, low injury risk, you can do lots) plus occasional Zones 4-5 (higher calorie burn, metabolic boost).

Total calorie burn matters most.

Common Mistakes

Training Too Hard Too Often

Most people treat every workout like a race, or they let easy days drift into Zone 3. They believe harder is always better. It's not—chronic moderate-to-hard training leaves you perpetually tired and unable to perform well on quality days. Progress stalls.

Make easy days truly easy (Zones 1-2) instead. Then you can make hard days genuinely hard.

Comparing Your HR to Others

Your training partner's Zone 2 is 145 bpm. Yours is 125 bpm. That doesn't mean you're less fit or that you should speed up to match them. Everyone's zones are individual, based on unique max, resting rate, and fitness level. Train your zones, not someone else's.

Ignoring RPE and Feel

Some people make the opposite mistake—following their heart rate blindly even when RPE and how they feel say something's wrong. If your Zone 2 heart rate feels like Zone 4 effort, something's off. Maybe dehydration, poor sleep, stress, illness. Don't be a slave to the monitor. Pay attention to how you feel.

Not Testing Actual Max

Using 220-minus-age without questioning it is risky since the formula can be off by 10-15 bpm for many people. If your true max is 200 but you're using 185 from the formula, all zones will be too low and you'll think you're doing hard Zone 4 intervals when you're actually in Zone 3.

Missing Elevated RHR Signals

Morning resting rate 5-10 bpm above normal? Your body's telling you it hasn't recovered.

Either from previous training, fighting illness, or dealing with stress.

Training hard these days often leads to poor performance, prolonged fatigue, or illness. Instead, make it an easy day or rest completely.

Not Enough Recovery

Hard training breaks you down—that's the point. Rest and recovery make you stronger. Skip recovery and you just pile up fatigue and damage without getting the adaptations.

Zones 4-5 require 48+ hours recovery. Even multiple Zone 3 sessions become too much without easy days mixed in. Monitor RHR, sleep quality, and how you feel.

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Common Questions

What's a normal resting heart rate?

60-100 bpm for most adults. Athletes often have 40-60 bpm. Lower usually means better fitness.

How do I measure my resting heart rate?

First thing in the morning before getting up. Lie still for 5 minutes, then count your pulse for 60 seconds.

Which is better: Karvonen or Standard?

Karvonen accounts for fitness level through resting rate, making it more accurate. Standard is simpler but less personalized.

How often should I recalculate my zones?

Every 3-6 months, or when your resting rate changes by 5+ bpm.

Do I need a heart rate monitor?

Recommended for accurate training. Chest straps are most accurate. Wrist monitors work fine for most people.

Can I train in Zone 5 every day?

No. Zone 5 is maximum effort and needs 48-72 hours recovery. Most people should do Zone 5 work once or twice a week at most.