Heart Rate Zone Formula Explained, With Examples

Updated 5 Oct 2026 in Health & Fitness

Every heart rate zone result comes from one formula. Once you understand what goes into it, you can sanity-check any figure you are given, whether by an employer, a bank, a teacher or another website.

The formula

Max HR = 220 − age; zones are percentages of max.

What each input means

Example

For example, with these inputs:

the calculator returns:

How the result changes

The table keeps the other inputs at their example values and changes age.

AgeMaximum heart rateZone 2 (fat burn)Zone 3 (aerobic)Zone 4 (threshold)
35185 bpm111–130 bpm130–148 bpm148–167 bpm
17.5203 bpm122–142 bpm142–162 bpm162–182 bpm
26.25194 bpm116–136 bpm136–155 bpm155–174 bpm
43.75176 bpm106–123 bpm123–141 bpm141–159 bpm
52.5168 bpm101–117 bpm117–134 bpm134–151 bpm

Why it matters

Health numbers are most useful when you track them consistently. A quick calculation turns everyday measurements into something you can act on, whether that is planning meals, training for a run or preparing for a clinic visit.

Any health calculator gives a general estimate. If a result worries you, or you are pregnant, managing a chronic condition or planning a big change in diet or exercise, speak to a doctor, polyclinic or dietitian.

Research has shown that Asians tend to develop conditions such as type 2 diabetes and heart disease at lower body weights than Europeans. That is why the Health Promotion Board recommends lower BMI cut-offs for Singaporeans, with 23 marking the start of moderate risk.

Singapore's tropical climate means you lose more fluid through sweat, even when you are not exercising. Thirst, urine colour and how you feel are good guides, and needs rise during outdoor activity or heat waves.

Related calculations

Use the Heart Rate Zone Calculator to plug in your own numbers.

Run your own numbers: Heart Rate Zone Calculator

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