How to calculate heart rate zones
Max HR = 220 − age · Zone = Max HR × zone %
Worked example. Estimated max heart rate: 190 bpm.
Example inputs — Age: 30. Starting values are illustrative.
Fat-burn zone 114–133 bpm · Cardio zone 133–152 bpm
From George Guju, founder of Calculyn · Educational calculator guidance, not professional advice.
How it works
Max heart rate is estimated as 220 minus your age. Training zones are percentages of that maximum.
Using the heart rate zones estimate
Heart-rate zones offer a rough way to describe exercise intensity. This tool estimates maximum heart rate as 220 minus age, then calculates percentage bands from that maximum. It does not measure your maximum, use resting heart rate or account for medicines and medical conditions. The bands can help explain training terminology, but they are not personalized exercise limits or a guarantee that a given workout is safe.
Step-by-step inputs
- Age. Enter age in years. The equation uses age alone, so changing fitness level, resting heart rate or medication does not change this estimate. Starting example: 30 .
Worked example with the starting values
Using the starting inputs, the estimate is Estimated max heart rate: 190 bpm.
The estimated maximum provides the reference for every zone. Each breakdown number is a zone's lower boundary, indicated by bpm+, rather than a single heart rate you must hold. The zone label gives the percentage range; the adjacent zone starts at its upper edge.
Fat-burn zone 114–133 bpm · Cardio zone 133–152 bpm
- Zone 1 · warm-up (50–60%)
- 95 bpm+
- Zone 2 · fat burn (60–70%)
- 114 bpm+
- Zone 3 · cardio (70–80%)
- 133 bpm+
- Zone 4 · hard (80–90%)
- 152 bpm+
- Zone 5 · max effort (90–100%)
- 171 bpm+
Compare age scenarios
These compare different ages under the same prediction equation. They are not training targets for a single person.
| Age | Estimated max heart rate |
|---|---|
| 25 | 195 bpm |
| 40 | 180 bpm |
| 55 | 165 bpm |
Make a useful comparison
Understand the boundaries before planning a session. A percentage zone describes a range, not a requirement to sit precisely at the starting number. Heart rate can drift with heat, stress, fatigue and hydration, and optical sensors can also fluctuate during movement.
Use perceived effort and how you feel alongside the number. An age-based formula can differ substantially from an individual's true maximum. If you need precise training zones for a specific goal, qualified coaching or assessment may be more useful than selecting a narrow target from this estimate.
Prioritize medical advice and symptoms over the display. Medicines affecting heart rate, cardiovascular conditions or unusual symptoms can make ordinary age-based ranges inappropriate. Stop and seek appropriate help for concerning symptoms rather than assuming being inside a modeled zone means you are safe.
Common mistakes to avoid
- The fat-burn label is an intensity shorthand, not proof that a particular zone produces the best fat loss. Total activity, nutrition and individual context matter.
- Maximum heart rate here is predicted, not measured. Do not attempt maximal exercise simply to match the headline.
- This is not a resting-heart-rate or heart-rate-reserve calculation. Applying another method's percentages to this estimate can create a different set of zones.
Assumptions & limitations
- Results are rounded for display.
Formula and assumptions reviewed October 2026 by the Calculyn team. How we build our calculators
Frequently asked questions
How accurate is 220 − age?
It's a rough average; your real max can differ by 10–20 bpm. A supervised test is more accurate.
Are the breakdown numbers whole zone ranges?
They show the lower boundary of each labeled percentage band. Use the label and the next boundary to interpret the range.
Does staying below the predicted maximum make exercise safe?
No. An age-based estimate cannot evaluate your health or symptoms. Individual medical advice takes priority.
