Estimate your maximum heart rate as 220 minus your age, then train in a percentage band of it: moderate intensity is commonly 50 to 70 percent of max, vigorous 70 to 85 percent. At age 40 the estimated max is 180, so moderate work sits around 90 to 126 beats per minute. A free heart rate zone calculator computes the bands in your browser, including the more personal Karvonen method.
Free target heart rate zone calculator. Get Karvonen training zones from your age and resting heart rate, calculated instantly in your browser.
Open Target Heart Rate Zone Calculator → Free toolFree max heart rate calculator. Estimate your maximum heart rate from age using two proven formulas, side by side, all in your browser.
Open Max Heart Rate Calculator →220 minus age is the classic estimate for maximum heart rate, and the standard training zones are percentage slices of that number. It is convenient but generic: real maximums vary between people of the same age, so treat the zones as a starting frame rather than exact walls. If a zone feels wildly wrong for your effort level, your true max likely differs from the formula.
Karvonen zones use your heart rate reserve, which is max minus resting heart rate, and anchor the zones to your resting pulse. Two people with the same age but different fitness get different zone boundaries, which usually matches perceived effort better. You only need one extra input: your resting heart rate measured after waking.
Easy aerobic sessions belong in the moderate band, harder interval work pushes into the vigorous band. If you train by feel, the talk test is a decent proxy: full sentences are easy in the moderate zone and become hard in the vigorous one.
It is a population estimate with real individual variation. It is fine for setting starting zones, and the Karvonen method personalizes further using your resting heart rate.
Lower intensities burn a higher share of fat per minute, but higher intensities burn more total energy. Overall workload matters more than chasing one zone.
A watch or chest strap helps you stay in a band, but the talk test approximates zones without any gear.