Heart Rate Zones Calculator: Max Heart Rate by Tanaka or 220 Minus Age, and Karvonen Zones

Enter your age and, if you know it, your resting heart rate.

About this tool

The calculator estimates your maximum heart rate by three published equations side by side, then gives five heart rate zones by percentage of maximum and by the Karvonen heart rate reserve method. All of these are estimates with a large individual error, so treat the zone edges as approximate. This is general information, not medical advice. If you have a heart condition or take medicines that affect heart rate, ask your doctor first. Nothing you type leaves your device.

How it works

Fox: maximum heart rate = 220 - age. It is not the result of a study. It comes from a 1971 review by Fox, Naughton and Haskell, whose figure legend said the line defines a line not far from many of the data points, and a 2002 history of the formula found it was a superficial estimate from about 11 sources. Tanaka: maximum heart rate = 208 - 0.7 x age, from a 2001 meta-analysis of 351 studies and 18,712 people, checked in 514 healthy adults where the regression was 209 - 0.7 x age. The authors found no difference between men and women or by physical activity level, and that 220 - age underestimates maximum heart rate in older adults. Gulati: maximum heart rate = 206 - 0.88 x age, from 5,437 asymptomatic women with a mean age of 52, where the traditional male-based calculation overestimated the maximum for women. The Gulati equation is shown for women only.

All of these have a large error for any one person. The 2002 review put the standard error of estimate of 220 - age at 7 to 11 beats a minute and found that most age-based equations have errors above 10 beats a minute, so your real maximum can easily be 10 beats or more higher or lower than a formula says. A maximum measured in a supervised exercise test, or how hard the effort feels, is a better guide than any equation. You can type in a maximum you measured and the zones will use it.

The zones by percentage use the five-zone scheme used by fitness-device makers such as Polar: 50 to 60 percent of maximum is zone 1 (very light), 60 to 70 zone 2 (light), 70 to 80 zone 3 (moderate), 80 to 90 zone 4 (hard) and 90 to 100 zone 5 (maximum). In this tool each zone runs from its own starting beat to one beat below the next zone's start, and zone 5 ends at your maximum. Values are rounded half up to a whole beat. The scheme is a convention, not a medical classification.

The Karvonen method uses the heart rate reserve, the gap between your resting and maximum heart rate: target = resting + (maximum - resting) x intensity. The same percentages are applied to the reserve, so the zones sit higher than percent-of-maximum zones. For a maximum of 180 and a resting rate of 60 the reserve is 120, and 70 percent of the reserve is 60 + 84 = 144 beats a minute, while 70 percent of the maximum is 126. The method goes back to a 1957 study by Karvonen, Kentala and Mustala of the effects of training on heart rate.

To measure resting heart rate, find your pulse at the wrist or the side of the neck with two fingers and count the beats for 15 seconds and multiply by four, or for 30 seconds and multiply by two. The usual advice is to check when you get up in the morning. Mayo Clinic Care Network content gives a normal adult resting rate as 60 to 100 beats a minute, with very fit athletes closer to 40, and says to see a doctor if it is often above 100, or often below 60 when you are not a trained athlete, especially with fainting, dizziness or shortness of breath.

Worked examples

Maximum heart rate by three equations, age 40 and age 60

At 40: Fox 220 - 40 = 180, Tanaka 208 - 0.7 x 40 = 180 (the two agree at 40), Gulati for a woman 206 - 0.88 x 40 = 170.8, rounded to 171. At 60: Fox 160, Tanaka 208 - 42 = 166, Gulati 206 - 52.8 = 153.2, rounded to 153. The equations drift apart as age rises, which is one reason to treat any single figure with care.

Percentage zones for a maximum of 180

50 percent is 90, 60 percent is 108, 70 percent is 126, 80 percent is 144 and 90 percent is 162. Zone 1 is 90 to 107, zone 2 is 108 to 125, zone 3 is 126 to 143, zone 4 is 144 to 161 and zone 5 is 162 to 180 beats a minute.

Karvonen zones for a maximum of 180 and a resting rate of 60

Reserve = 180 - 60 = 120. 50 percent is 60 + 60 = 120, 60 percent is 132, 70 percent is 144, 80 percent is 156 and 90 percent is 168. Zone 1 is 120 to 131, zone 2 is 132 to 143, zone 3 is 144 to 155, zone 4 is 156 to 167 and zone 5 is 168 to 180. Zone 3 starts at 126 by percent of maximum but at 144 by Karvonen, because the reserve method starts from the resting rate.

Estimated maximum heart rate by age (beats a minute, rounded half up)

AgeFox: 220 - ageTanaka: 208 - 0.7 x ageGulati (women): 206 - 0.88 x age
20200194188
30190187180
40180180171
50170173162
60160166153
70150159144

Frequently asked questions

What is the maximum heart rate formula?

The most widely quoted is 220 minus your age, which comes from a 1971 review by Fox, Naughton and Haskell and was not derived from a study of its own. A more recent one is Tanaka's, 208 minus 0.7 times your age, from a meta-analysis of 351 studies. For women there is also Gulati's, 206 minus 0.88 times your age. All are estimates with a large individual error.

Which is more accurate, 220 minus age or Tanaka?

Tanaka and colleagues found that 220 minus age underestimates maximum heart rate in older adults, and that their equation held up in a laboratory study of 514 healthy adults. A 2002 review put the standard error of 220 minus age at about 7 to 11 beats a minute and found that most age-based equations have errors above 10 beats a minute, which is large when setting a training range for one person. If the exact number matters, a supervised test is the better way.

What is the Karvonen formula?

Target heart rate = resting heart rate + (maximum heart rate - resting heart rate) x intensity, where intensity is a fraction such as 0.7 for 70 percent. It uses the heart rate reserve, the gap between resting and maximum, so the zones depend on your resting heart rate as well as your age. The concept goes back to a 1957 study by Karvonen and colleagues.

What is a normal resting heart rate and how do I measure it?

Mayo Clinic Care Network content gives 60 to 100 beats a minute for adults, with very fit athletes closer to 40. Count your pulse at the wrist or the side of the neck for 15 seconds and multiply by four, ideally when you get up in the morning. Ask a doctor if it is often above 100, or often below 60 when you are not a trained athlete, especially with dizziness, fainting or shortness of breath.

Which heart rate zone should I train in?

This tool does not tell you. The zones describe intensity, from very light in zone 1 to maximum in zone 5, and they are a convention used by fitness-device makers, not a prescription. What suits you depends on your health, fitness and goals. A doctor or a qualified coach can advise. The CDC also describes the talk test and a 0 to 10 effort scale as simple ways to judge intensity without a heart rate.

Do beta blockers change heart rate zones?

Yes, they can. Harvard Health notes that people taking beta blockers may not be able to reach their target heart rate during exercise, and suggests the perceived exertion scale instead. If you take a beta blocker or any other medicine that affects your heart rate, ask your doctor or pharmacist before you use any zone from a formula.

Can I use this if I have a heart condition?

Ask your doctor first. Polar's own guidance is that anyone who takes medication or has a heart condition should consult a healthcare provider before setting heart rate zones or starting to exercise. The equations were fitted to groups of healthy people and cannot know about your condition.

Why does my watch show different zones?

Many devices start from 220 minus age, which Polar describes as the simplest way to set a maximum, and they may use a different equation, or a maximum you or the device measured. Some zones are set by percentage of maximum and others by reserve. Compare the equation and the maximum, not just the zone numbers.

Sources & references

Updated Oct 13, 2026