Heart Rate Calculator

Find your maximum heart rate and target training zones by age, sex and resting HR. Includes fat-burning, aerobic, threshold and peak zones with exact BPM ranges.

Updated Sep 28, 2026Fox, Tanaka, Gulati, Gellish, KarvonenRuns in your browser, nothing is sent

About you

Sex
years
optional
BPM

Measure on waking, before getting up. Enables the Karvonen method for more personal zones.

Max Heart Rate (BPM)
184beats / min

For a 35-year-old man the Tanaka formula estimates a maximum heart rate of 184 BPM. Moderate exercise, by the American Heart Association's 50 to 70% guide, is about 92 to 128 BPM. Vigorous exercise is about 128 to 156 BPM.

Recommended Zone for Your Goal
92-128
BPM, moderate (50-70%)
Moderate (AHA)
92-128
50-70% of max
Vigorous (AHA)
128-156
70-85% of max
Heart Rate Reserve
-
add resting HR

All Training Zones

Percent of maximum heart rate. Add a resting heart rate to switch to the Karvonen method.

Zone% of maxBPM RangeGoal
Zone 150-60%92-110Recovery, warm-up
Zone 260-70%110-128Aerobic base, easy endurance
Zone 370-80%128-147Aerobic fitness
Zone 480-90%147-165Lactate threshold, speed
Zone 590-100%165-184Peak effort, VO2 max

Formula Comparison

The same age through each formula. The spread shows how rough any estimate is.

Training Zone Guide

ZoneFeelPrimary BenefitTypical Session
Zone 1 - 50-60%Very easyRecovery, warm-upAny duration
Zone 2 - 60-70%Comfortable, can talk in sentencesAerobic base, a high share of energy from fat30-180 min
Zone 3 - 70-80%Moderate effort, short sentencesCardiovascular fitness20-60 min
Zone 4 - 80-90%HardLactate threshold, speedIntervals, 10-30 min in total
Zone 5 - 90-100%MaximumPeak power, VO2 maxShort intervals, 1-5 min each

Five-zone systems are a coaching convention, and different coaches draw the lines in slightly different places. The American Heart Association uses two broader bands: about 50 to 70% of maximum for moderate exercise and 70 to 85% for vigorous exercise. If you are new to exercise, it suggests starting at the low end.

On "fat burning": at easy intensity a larger share of the energy you burn comes from fat, but you burn fewer calories per minute. For weight loss, total calories burned over the week and your diet matter more than staying in one zone.

Formula Comparison by Sex and Age

Fox (220 − age): Classic formula, widely used. It was never derived from a proper study and tends to underestimate maximum heart rate for older adults and overestimate it for young adults.

Tanaka (208 − 0.7 × age): From a 2001 meta-analysis of 351 studies with about 18,700 people, confirmed in a lab study. It works for men and women in healthy adults.

Gulati (206 − 0.88 × age): Derived from exercise tests in more than 5,000 women aged 35 and over in the St. James Women Take Heart Project (2010). The calculator's Auto setting uses it for women and Tanaka for men.

Gellish (206.9 − 0.67 × age): From a 2007 study that followed the same adults with repeated treadmill tests over years. Its results sit close to Tanaka's.

Note: an individual's real maximum can differ from any of these by 10 beats a minute or more. For precision, a supervised maximal exercise test is the only real measurement.

The Karvonen method, with a worked example

Karvonen uses your heart rate reserve, the gap between maximum and resting heart rate, so fitter people with a low resting rate get zones that fit them better.

Target = resting HR + intensity × (max HR − resting HR)

Worked example. A 40-year-old man with a resting heart rate of 60. Tanaka max: 208 − 0.7 × 40 = 208 − 28 = 180 BPM. Reserve: 180 − 60 = 120. At 70% intensity: 60 + 0.7 × 120 = 60 + 84 = 144 BPM. The plain percentage method gives 0.7 × 180 = 126 BPM for the same zone, 18 beats lower.

When heart rate targets do not apply

Beta-blockers and some other heart and blood pressure medicines lower your heart rate, so formula zones will be too high. People with heart disease, or who are pregnant, should get targets from their doctor. Stop and get medical help if you have chest pain, faintness or unusual shortness of breath during exercise. A resting heart rate for adults is usually 60 to 100 beats a minute according to the American Heart Association; well-trained people can be lower.

Questions people ask

What is my maximum heart rate?

A quick estimate is 208 − 0.7 × your age (Tanaka). At 40 that is 180 beats a minute. Women can use 206 − 0.88 × age (Gulati). The old 220 − age rule gives similar numbers in middle age but is less accurate.

What is a good target heart rate for exercise?

The American Heart Association suggests about 50 to 70% of your maximum for moderate exercise and 70 to 85% for vigorous exercise. For a 40-year-old with a 180 maximum that is about 90 to 126 and 126 to 153 BPM.

What is the fat-burning heart rate zone?

Usually about 60 to 70% of maximum, zone 2. Fat supplies a larger share of the energy there, but harder exercise burns more total calories. Both help with weight loss.

Should I use the Karvonen formula?

If you know your true resting heart rate, yes. It gives zones that reflect your fitness. Measure it on waking, lying down, for a full minute on a few mornings and use the average.

Why is my heart rate higher than the zones say?

Heat, dehydration, caffeine, stress, poor sleep and illness all raise heart rate. Wrist monitors can also misread. If your heart rate is unusually high at rest or you feel unwell, talk to a doctor.