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Heart Rate Calculator - Calculate Your Target Heart Rate Zones Free

Free heart rate zone calculator using the Karvonen formula. Calculate your maximum heart rate and optimal training zones for fat burn, cardio, aerobic, and VO2 max.

8 min read

iAbout This Calculator

Understanding your heart rate zones is essential for effective cardiovascular training and fitness optimization. Our free heart rate calculator determines your maximum heart rate and calculates personalized training zones based on your age and optional resting heart rate. Using the standard 220-age formula for maximum heart rate, and the advanced Karvonen formula when resting heart rate is provided, this tool gives you precise target zones for fat burning, cardio conditioning, aerobic endurance, anaerobic power, and VO2 max training. Whether you're a beginner starting a fitness journey or an experienced athlete fine-tuning your training, knowing your heart rate zones helps you exercise at the right intensity for your goals.

?How to Use

  1. 1

    Enter your age in years. This is required for calculating your maximum heart rate using the 220-age formula.

  2. 2

    Optionally, enter your resting heart rate in BPM. Measure this first thing in the morning before getting out of bed for accuracy. This enables the Karvonen formula for more personalized zones.

  3. 3

    Click Calculate to see your results. Your maximum heart rate and all five training zones will be displayed instantly.

  4. 4

    Review your target zones. Each zone shows the heart rate range in BPM along with the corresponding percentage of maximum effort.

  5. 5

    Use these zones during workouts. Monitor your heart rate with a fitness tracker or manual pulse check to stay in your target zone.

fFormula

\text{Max HR} = 220 - \text{age}

Maximum heart rate is calculated as 220 minus your age. For more accurate target zones, the Karvonen formula is used when resting heart rate is provided: Target HR = (Heart Rate Reserve x Intensity%) + Resting HR, where Heart Rate Reserve = Max HR - Resting HR.

age
Your age in years
Max HR
Maximum heart rate in beats per minute
Resting HR
Resting heart rate measured at complete rest
HRR
Heart Rate Reserve (Max HR - Resting HR)

Examples

30-Year-Old Standard Calculation

Inputs: age: 30
Max HR: 190 BPM

Max HR = 220 - 30 = 190 BPM. Fat Burn zone: 95-114 BPM (50-60%), Cardio: 114-133 BPM (60-70%), Aerobic: 133-152 BPM (70-80%).

40-Year-Old with Resting HR (Karvonen)

Inputs: age: 40, restingHeartRate: 60
Max HR: 180 BPM, HRR: 120 BPM

Max HR = 220 - 40 = 180. HRR = 180 - 60 = 120. Fat Burn: (120 x 0.5) + 60 = 120 BPM to (120 x 0.6) + 60 = 132 BPM.

25-Year-Old Athlete

Inputs: age: 25, restingHeartRate: 52
Max HR: 195 BPM, HRR: 143 BPM

Athletes with lower resting heart rates have higher heart rate reserves, allowing for more precise training zone calculations.

55-Year-Old Beginner

Inputs: age: 55
Max HR: 165 BPM

For beginners, starting in the Fat Burn zone (83-99 BPM) is recommended before progressing to higher intensity zones.

Use Cases

Weight Loss Training

Train in the Fat Burn zone (50-60% max HR) for longer duration workouts to maximize fat oxidation. This lower intensity allows for extended exercise sessions.

Cardiovascular Fitness

The Cardio zone (60-70% max HR) improves heart efficiency and endurance. Ideal for building a solid aerobic base and general fitness improvement.

Endurance Training

The Aerobic zone (70-80% max HR) builds stamina and improves the body's ability to use oxygen efficiently. Essential for marathon runners and cyclists.

Performance Enhancement

Anaerobic zone (80-90% max HR) training increases lactate threshold and speed. Used in interval training for competitive athletes.

Recovery Monitoring

Track resting heart rate over time to monitor recovery and fitness adaptation. A decreasing resting heart rate indicates improved cardiovascular fitness.

Frequently Asked Questions

What is the most accurate way to calculate max heart rate?
The most accurate method is a graded exercise test supervised by a healthcare professional. The 220-age formula is an estimate with a standard deviation of about 10-12 BPM. For precision, consider lab testing.
Why use the Karvonen formula?
The Karvonen formula accounts for your resting heart rate, providing more personalized training zones. It's especially useful for athletes with low resting heart rates or individuals with higher resting rates.
What is heart rate reserve?
Heart Rate Reserve (HRR) is the difference between your maximum heart rate and resting heart rate. It represents the range of heart rates available for exercise and is used in the Karvonen formula for more accurate zone calculations.
Which zone should I train in for weight loss?
The Fat Burn zone (50-60%) burns a higher percentage of calories from fat, but total calorie burn matters more. Combining lower-intensity fat burn sessions with higher-intensity cardio often yields the best results.
Can I train in the VO2 Max zone regularly?
VO2 Max training (90-100%) should be used sparingly, typically 1-2 times per week maximum. This high-intensity training requires adequate recovery to prevent overtraining and injury.
How do I measure my resting heart rate?
Measure your pulse for 60 seconds immediately upon waking, before getting out of bed. Take measurements over several days and average them for the most accurate resting heart rate value.
Does age significantly affect heart rate zones?
Yes, maximum heart rate decreases with age, which affects all zone calculations. A 20-year-old has a max HR of about 200 BPM, while a 60-year-old has about 160 BPM, significantly changing target zones.
Are these zones the same for everyone?
These zones are estimates based on age and resting heart rate. Individual variations exist due to genetics, fitness level, and health conditions. Consider the zones as guidelines and adjust based on perceived exertion.

Conclusion

The heart rate calculator provides essential information for optimizing your cardiovascular training. By understanding your maximum heart rate and training zones, you can exercise at the right intensity to achieve your specific fitness goals, whether that's burning fat, building endurance, or improving athletic performance. For the most personalized results, include your resting heart rate to utilize the Karvonen formula. Remember that these calculations are estimates, and listening to your body remains important. Regular monitoring of your heart rate during exercise helps ensure you're training effectively while staying safe.

Last updated: January 6, 2026

Author: Calcoul Team

Reviewed by: Dr. Sports Medicine

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