Tallyloom
Health tool

Heart-Rate Zone Calculator

Five training zones from your age — or personalized with the Karvonen heart-rate-reserve method if you know your resting pulse. Formulas and caveats shown. Informational only, not medical advice.

Max HR estimated as 220 − age (individuals vary ±10–15 bpm). Adding resting HR switches to the Karvonen heart-rate-reserve method. Medications like beta-blockers change these numbers — not medical advice.
Estimated maximum heart rate
180 bpm
Zones as % of max — add resting HR to personalize
Your training zones
ZoneHeart rateTypical use
Zone 1 · Very light90–108 bpmWarm-up, recovery
Zone 2 · Light108–126 bpmBase endurance, fat metabolism
Zone 3 · Moderate126–144 bpmAerobic fitness
Zone 4 · Hard144–162 bpmSpeed and threshold
Zone 5 · Maximum162–180 bpmShort intervals only

Heart-rate training zones by age: quick reference

These rounded ranges use the AHA's general 50–70% moderate and 70–85% vigorous intensity bands with an estimated maximum of 220 minus age. Enter your age above for all five zones.

AgeEstimated maxModerateVigorous
20200 bpm100–140 bpm140–170 bpm
30190 bpm95–133 bpm133–162 bpm
40180 bpm90–126 bpm126–153 bpm
50170 bpm85–119 bpm119–145 bpm
60160 bpm80–112 bpm112–136 bpm
70150 bpm75–105 bpm105–128 bpm

Population estimates can differ materially from an individual's measured maximum heart rate.

How to use this tool

  1. Enter your age — the five zones appear from the standard 220 − age estimate.
  2. Know your resting heart rate (measure it in bed, first thing in the morning)? Add it to switch to the more personalized Karvonen method.

How it works

Maximum heart rate is estimated as 220 − age — the American Heart Association's rule of thumb, with the honest caveat that individual max HR varies by ±10–15 bpm around that estimate. Simple zones are percentages of that max. The Karvonen method improves on it by working with heart-rate reserve: target = resting + (max − resting) × intensity — anchoring the zones to your actual fitness.

Medications (notably beta-blockers), heart conditions, and individual physiology all shift these numbers. The AHA's own advice applies here: if you have a heart condition or take medication that affects heart rate, ask your healthcare professional what your zones should be. Training guidance, not medical advice.

Sources & references

Content last reviewed: September 2026.

Frequently asked questions

Do heart-rate training zones differ by age and gender?

The 220 − age estimate and the AHA percentage ranges used here do not include sex or gender. They are broad population guides, not individual limits. Fitness, measured resting heart rate, medications, health conditions, and your actual maximum heart rate can matter more; use clinician or lab guidance when available.

What heart rate should I exercise at?

The AHA's general guidance: moderate activity around 50–70% of maximum heart rate, vigorous around 70–85%. The zone table shows your numbers; beginners start low and build.

How accurate is 220 minus age?

It's a population average with real individual spread — your true max can differ by 10–15 bpm either way. The Karvonen option (using your measured resting HR) personalizes the zones without a lab test.

How do I find my resting heart rate?

Count your pulse for 30 seconds and double it, first thing in the morning before getting up. For most adults, 60–100 bpm is normal; well-trained people run lower.