Heart Rate Zones Calculator

Karvonen training zones from age and resting heart rate.

Input Parameters

Age

Resting HR (bpm)

Max HR (220 − age)

190 bpm

Z1 · Recovery

50–60%

125–138 bpm

Z2 · Fat burn

60–70%

138–151 bpm

Z3 · Aerobic

70–80%

151–164 bpm

Z4 · Anaerobic

80–90%

164–177 bpm

Z5 · Maximum

90–100%

177–190 bpm

175 available

Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.

Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.

Visualize compound growth with recurring deposits, annual rate, and investment horizons.

Add or extract Value Added Tax (VAT) with international country presets.

Analyze profitability and percentage return on business capital and investments.

Gross to net salary with income tax, social contributions and deductions, monthly and annual.

Karvonen heart rate zones from age and resting pulse: max HR plus five colored Z1–Z5 training ranges in bpm.

What is max HR?

Estimated as 220 − age; lab testing is more precise but this fits most people.

Which zone burns fat?

Z2 (60–70%) favors fat oxidation and is sustainable longest.

Why use resting HR?

Karvonen personalizes zones: fitter hearts rest lower, widening every range.