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Heart Rate Zone Calculator

Calculate your five training heart-rate zones from age and resting HR using Tanaka, Fox, Gulati, or Karvonen heart-rate-reserve formulas.

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Estimated max HR
184 bpm
Heart-rate reserve
124 bpm

Training zones

  • Z1 — Recovery
    Active recovery, warm-ups, cool-downs. All-day comfortable conversation.
    122 – 134 bpm
  • Z2 — Aerobic base
    Build aerobic capacity and fat oxidation. Talk in full sentences.
    134 – 146 bpm
  • Z3 — Tempo
    Improve sustained pace. Talk in short phrases. Half-marathon effort.
    146 – 159 bpm
  • Z4 — Threshold
    Lift lactate threshold. 1-hour race effort. Speech becomes laboured.
    159 – 171 bpm
  • Z5 — VO₂max
    Maximize aerobic ceiling. 3–8 minute intervals. No talking.
    171 – 184 bpm

Calculate your five training heart-rate zones from age, resting HR, and your preferred max-HR formula. Supports Karvonen heart-rate-reserve targeting for personalised zones.

How heart-rate zones work

Heart-rate training zones split the gap between your resting and maximum heart rate into five intensity bands. Each band targets a different physiological adaptation: Z1 for recovery, Z2 for aerobic base, Z3 for tempo / muscular endurance, Z4 for lactate threshold, and Z5 for VO₂max ceiling.

Polarized training research (Seiler et al.) shows that elite endurance athletes spend ~80% of training time in Z1–Z2 and ~20% in Z4–Z5, with very little Z3 — the so-called '80/20 rule'. Most amateurs invert this, drifting into Z3 'grey zone' and limiting both aerobic base and high-end ceiling.

Knowing your zones requires accurate max HR. Field-testing (a maximal ~5-min hill effort followed by a sprint) is more accurate than any age-based formula, but the formulas below are good enough for programming if you don't have lab data.

Picking a max-HR formula

Tanaka (208 − 0.7 × age, 2001): meta-analysis of 351 studies. Most accurate for adults 20–80, especially over age 40 where the older Fox/Haskell formula systematically underpredicts.

Fox / Haskell (220 − age, 1971): the original textbook formula. Easy to remember but has a standard deviation of ±10–12 bpm against true measured max — error compounds at the extremes (under 25 and over 50).

Gulati (206 − 0.88 × age, 2010): derived specifically for women on stress-test data; predicts a lower max than 220−age. Use this for women if Tanaka feels too high.

If you have a measured max HR from a lab test, race, or all-out interval session, use it directly — formula error dwarfs the accuracy difference between formulas.

Karvonen vs % max heart rate

Two ways to set zone boundaries from a chosen intensity (e.g. 70%):

% max HR — multiply maxHR by the intensity. Simple but ignores resting HR. A fitter athlete with a low resting HR will find zones harder than predicted.

Karvonen (heart-rate reserve, HRR) — target = ((maxHR − restingHR) × intensity) + restingHR. Anchors zones to BOTH ceiling and floor, so a fit athlete with rest HR 45 gets harder zones than someone at rest HR 70 even at the same age. Karvonen is the modern default and is enabled here.

Worked example for a 35-year-old male (Tanaka maxHR 184, resting 60): Z2 (60–70% intensity) lands at 60% × (184−60) + 60 = 134 bpm to 147 bpm under Karvonen, vs 110–129 bpm under plain %max. Karvonen pushes Z2 ~25 bpm higher because it accounts for the elevated resting baseline.

Common pitfalls and best practices

Don't change formulas mid-block. Stick with one (Tanaka recommended) so your zone boundaries stay stable across weeks of training data.

Recheck your resting HR every 4–6 weeks. As aerobic fitness improves, resting HR typically drops 3–10 bpm — Karvonen zones shift accordingly.

Heart rate lags effort by 30–90 seconds. For short intervals (under 2 minutes) use rate of perceived exertion (RPE) or power, not HR.

Heat, dehydration, caffeine, and poor sleep all push HR up at the same effort — expect Z2 to feel like Z3 on a hot day. Adjust pace, not zone target.

If your watch shows you in Z5 during a recovery run, your max HR is set too low. Field-test or move from Fox to Tanaka.

Frequently asked questions

Should I use Karvonen or % max HR?

Karvonen if you know your resting HR (preferred — accounts for fitness). Plain %max if you only know your age. Karvonen is enabled by default in this calculator.

How do I find my real max heart rate?

Best: graded exercise test in a lab. Practical: warm up thoroughly, then run 4–5 minutes at the hardest sustainable pace finishing with a 30-second sprint up a hill — peak HR observed during recovery is a good estimate. Wear a chest strap (wrist optical HR is unreliable at max effort).

What's the 80/20 rule?

Polarized training: ~80% of weekly training time in Z1–Z2, ~20% in Z4–Z5, almost nothing in Z3. Validated repeatedly in elite endurance athletes (cycling, rowing, running, cross-country skiing).

How long should I spend in Zone 2?

For aerobic base building, 60–90 minutes per session, 3–5 sessions per week. Zone 2 is mitochondrial training — long, easy, and boring is the point.

Why does my watch show different zones?

Garmin / Apple / Polar default to %max with their own age-only max HR estimate, often 220 − age. Set your max HR manually in your watch profile to match this calculator's output.

Can I train without a heart rate monitor?

Yes — RPE (1–10 scale) and the talk test work. Z2 = full conversation. Z3 = short sentences. Z4 = single words. Z5 = no talking. Pace and power are also good substitutes once you've calibrated against measured HR.

Do these zones apply to cycling and swimming?

Heart rates run ~5–10 bpm lower in cycling and ~10–15 bpm lower in swimming due to body position and water cooling. Sport-specific zones derived from sport-specific max HR are more accurate than running zones applied universally.

By Larius — software engineer, NC real estate broker & CRE/business appraiserReviewed by the Handy Calculators editorial teamHow we build calculators

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