(THR) Target Heart Rate Calculator: Find Your Ideal Fat Burning & Cardio Zones

Exercising at the right intensity is the key to unlocking your fitness goals safely and efficiently. This calculator instantly determines your personal target heart rate zones, guiding you to the optimal effort level for everything from burning fat to improving your cardiovascular endurance.

Calculate your target heart rate zones using various formulas for a personalized workout.

Your Details

Your Target Zones

Moderate

50-70% Intensity

128 - 153 bpm

Vigorous

70-85% Intensity

153 - 171 bpm

Max Effort

85%+ Intensity

171+ bpm

How to Use Our Target Heart Rate Calculator

To get your personalized heart rate zones, we only need two pieces of information. For the most accurate results, we recommend providing both.

  • Age: Enter your current age in years. Your age is the primary factor used to estimate your maximum heart rate.

  • Resting Heart Rate (Optional, but recommended): This is the number of times your heart beats per minute (bpm) when you are at complete rest. Using this value allows the calculator to use the Karvonen formula, which provides a more personalized and accurate picture of your fitness zones. If you leave this blank, the calculator will use the standard age-based formula.

How to Measure Your Resting Heart Rate

For the most accurate reading, measure your resting heart rate first thing in the morning before you get out of bed or consume caffeine.

  1. Place your index and middle fingers on the inside of your wrist or on the side of your neck.

  2. Find your pulse.

  3. Count the number of beats you feel in 30 seconds.

  4. Multiply that number by 2 to get your resting heart rate in beats per minute.

Understanding Your Results

Your results show five distinct heart rate zones, each corresponding to a different intensity level and providing unique fitness benefits. The numbers represent the target range in beats per minute (bpm) you should aim for during exercise to stay within a specific zone.

Our calculator uses the Karvonen Formula (Target Heart Rate = ((Max HR − Resting HR) × %Intensity) + Resting HR) when you provide your resting heart rate, as it accounts for your individual fitness level. If you omit your resting heart rate, it uses the standard Fox-Haskell Formula (Max HR = 220 - Age).

Here is a breakdown of what each zone means for your body and your workout:

Zone Name & Intensity% of Max Heart RateWhat It Feels Like & Its Primary Benefits
1. Healthy Heart Zone50-60%Very Light Activity. Feels comfortable and easy. You can carry on a full conversation without any trouble.
Benefits: Excellent for warm-ups, cool-downs, and active recovery days. Helps improve overall health and prepares your body for more intense exercise.
2. Fitness / Fat Burn Zone60-70%Light Activity. You are breathing a bit heavier but can still speak in full sentences.
Benefits: This is the ideal zone for burning fat. Your body primarily uses stored fat as its fuel source. Great for improving your basic endurance and building a solid fitness base.
3. Aerobic / Cardio Zone70-80%Moderate Activity. You are now breathing deeply and can only speak in short sentences. You’re starting to sweat.
Benefits: This is the sweet spot for improving your cardiovascular and respiratory systems (your heart and lungs). It enhances your stamina and cardiorespiratory fitness.
4. Anaerobic / Hard Zone80-90%Vigorous Activity. You are breathing hard and can barely speak a few words at a time. This level of effort is challenging to maintain.
Benefits: You are now working “anaerobically,” meaning your body’s demand for oxygen is higher than the supply. This improves your VO2 max (maximum oxygen uptake) and your ability to tolerate lactic acid, making you faster and fitter. Ideal for HIIT (High-Intensity Interval Training).
5. Max Effort Zone90-100%Maximum Effort. As hard as you can possibly go. This is an all-out sprint pace that is not sustainable for more than a minute or two.
Benefits: Reserved for very short bursts for highly conditioned athletes looking to push their peak performance.

Your Personal Heart Rate Zones (Chart)

This chart visually represents your personal training zones calculated above. Aim to keep your heart rate within the colored bars that align with your fitness goals for that day’s workout.

Heart Rate Training Zones

Visualize your target heart rate zones based on your age.

Your Estimated Max Heart Rate is:

185 BPM

 

[ Zone 1: 98-117 bpm | Zone 2: 117-137 bpm | Zone 3: 137-157 bpm | Zone 4: 157-176 bpm | Zone 5: 176-196 bpm ] (Example visualization for a 24-year-old with a 65 bpm resting heart rate)

Frequently Asked Questions

 

Which heart rate zone is best for weight loss?

The Fitness / Fat Burn Zone (60-70% of max HR) is often called the “fat burning zone” because your body utilizes the highest percentage of fat for fuel at this intensity. However, this isn’t the whole story. While you burn a higher percentage of fat calories in this zone, you burn more total calories in the higher intensity Aerobic and Anaerobic zones.

Concrete Example:

  • 30 minutes in Zone 2 (Fat Burn): You might burn 200 total calories, with 120 (60%) coming from fat.

  • 30 minutes in Zone 3 (Aerobic): You might burn 300 total calories, with 120 (40%) coming from fat.

The key to weight loss is creating a total calorie deficit. A combination of longer workouts in Zone 2 and shorter, more intense workouts in Zones 3 and 4 is the most effective strategy for overall calorie burn and weight loss.

Why is my heart rate different from my friend’s, even if we are the same age?

Heart rate is highly individual. Even if you are the same age, several factors cause variations:

  • Resting Heart Rate (RHR): A person with a higher level of cardiovascular fitness will typically have a lower RHR. A lower RHR gives you a larger “heart rate reserve,” changing your training zones. This is why our calculator is more accurate when you input your RHR.

  • Genetics: Your genetic makeup plays a role in your maximum heart rate and overall cardiovascular profile.

  • Medications: Certain drugs, like beta-blockers for high blood pressure, can significantly lower your maximum heart rate.

  • Other Factors: Stress, caffeine, temperature, and hydration levels can all cause temporary fluctuations in your heart rate during exercise.

I’m a beginner. Which heart rate zone should I aim for?

If you are new to exercise or returning after a long break, it’s best to start in Zone 1 and Zone 2 (50-70% of max HR). The goal is to build a solid aerobic base without overexerting yourself.

Focus on maintaining a heart rate in this range for 20-30 minutes, 3-4 times per week. You should feel comfortable and able to hold a conversation. As your fitness improves over several weeks, you can gradually increase the duration of your workouts or begin incorporating short intervals in Zone 3.

Can medications affect my target heart rate?

Yes, absolutely. The most common medications that affect heart rate are beta-blockers, which are often prescribed for high blood pressure or other heart conditions. These medications are designed to lower your heart rate and blood pressure, which means the standard 220 - Age formula will be inaccurate for you.

If you are on beta-blockers or any other medication that affects your heart rate, it is essential to speak with your doctor to determine safe and effective exercise intensity levels for you. They may recommend using a different method, like the Rate of Perceived Exertion (RPE), to guide your workouts.

Should I rely only on my heart rate monitor? What is the “Talk Test”?

While heart rate monitors are fantastic tools, it’s also wise to listen to your body. The Rate of Perceived Exertion (RPE) or the simpler “Talk Test” are great complements to technology.

  • The Talk Test: This is an easy, real-time gauge of your intensity.

    • Zone 2: You can speak in full, comfortable sentences.

    • Zone 3: You can only speak in short phrases.

    • Zone 4/5: You can barely get a word or two out.

If your heart rate monitor says you’re in Zone 2, but you are breathless and can’t speak, you should trust your body and ease up. Factors like poor sleep, stress, or heat can elevate your heart rate, so RPE helps you self-regulate.

Is a higher maximum heart rate better than a lower one?

No. A higher or lower maximum heart rate () is not an indicator of fitness. is primarily determined by age and genetics and naturally decreases as you get older.

A more meaningful indicator of cardiovascular fitness is a low resting heart rate (RHR) and a quick heart rate recovery. A lower RHR means your heart is more efficient and doesn’t have to work as hard to pump blood. A quick recovery (how fast your heart rate drops after you stop exercising) shows that your cardiovascular system is healthy and adapts well to stress.


Next Steps for Your Fitness Journey

Now that you know your optimal workout zones, take the next step in understanding your health and fitness progress.

Creator

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Nhi Nguyen

A versatile quality assurance professional with a proven track record testing embedded, mobile, and web applications across defense, aerospace, telecom, pharmaceuticals and medical devices. She brings deep knowledge of QA methodologies, SDLC processes, and web technologies, along with strong project planning and cross‑functional leadership skills.