The two estimates of max heart rate
The familiar "220 minus your age" belongs to Fox & Haskell, a 1970s formula fitted on a broad group. Tanaka and colleagues revised it in 2001 to 208 minus 0.7 times your age. Both are within a few beats of each other for most people - and both can be several beats off for you as an individual.
That is why this page prints both and uses their average for the zones, while keeping the two estimates visible in a table rather than burying them in a footnote.
Karvonen and the resting rate
A zone chart that just multiplies percent by max ignores the fact that the heart does not start from zero. The Karvonen formula adds your resting rate back in: (max - resting) x intensity + resting.
This is why a fitter person - lower resting rate - gets lower zone ranges for the same max: their heart has more headroom. The page asks for a morning resting pulse because that is the one number you actually measured.
The Karvonen target is computed as the resting rate plus the chosen fraction of the gap between max and resting, so the intensity percentage is applied to the headroom your heart has, not to the max number itself. That is why, at the same percentage of max, a person with a resting rate of 50 trains at lower beats than one resting at 70 - the floor moves every range on the page.
The five zones
Zone boundaries vary between coaches and wristbands, but the structure is stable: recovery, aerobic, tempo, threshold and VO2 max, from easiest to hardest. The aerobic range - roughly 60 to 70 percent of max - is where endurance base is built and is the one most people train in.
The exact beat where Zone 2 becomes Zone 3 is not a law of nature. What matters is staying broadly inside the right band for the session, which a range leaves comfortably more room for than a single number.
When the chart is not the answer
The formulas assume a healthy, untrained-to-trained adult with no relevant medications. Beta-blockers, for example, lower both heart rate and the meaning of a zone chart. Chest pain, unusual shortness of breath, or numbers far outside the usual range are not a calculator problem.
If your morning resting rate is consistently out of the ordinary, or exercise brings symptoms, the next step is a clinician - not a recalculation.
The page clamps age and resting heart rate into the range the formulas were built for, and asks for a morning reading taken before coffee or movement so the floor is a fair one. If that number is consistently unusual, or exercise brings symptoms, the right next step is a clinician rather than a different multiplier on the same arithmetic.
What people mean by Zone 2
Zone 2 has become shorthand for "easy aerobic work", and the percentage band is an approximation of something the body actually does: below the first lactate threshold, most of the energy comes from fat and the effort can be held for a long time. The band is convenient because a heart rate monitor can display it; the threshold it stands for is a physiological point that differs from person to person and moves with training.
The practical test most coaches use is talking. In Zone 2 you can hold a conversation in full sentences; in Zone 3 you can speak in short phrases; above that you are down to a word or two. If the numbers and the talk test disagree, the talk test is describing you and the numbers are describing an average - which is why the page prints both estimates and never claims to have measured your threshold.
That also disposes of the "fat-burning zone" folklore. Lower intensity burns a larger share of fat and a smaller total; higher intensity burns a smaller share but more calories overall. What matters for endurance is the volume of easy work you can recover from, and the honest role of a zone chart is to keep the easy days easy enough to do that.
Reading a watch next to this page
A watch usually estimates your max from a formula you never see, sometimes from your age, sometimes from an observed peak during a hard session, and occasionally from heart-rate variability. It also reads your pulse optically at the wrist, which lags and drifts compared with a chest strap, especially when your wrist moves or the strap is loose. Two devices showing different zone boundaries is therefore the expected outcome, not a fault.
The stable parts are the structure and the direction: harder effort means a higher zone, a lower resting rate means lower beats at the same intensity, and an older age means a lower maximum. Those relationships are what a plan actually uses. The exact beat where Zone 2 becomes Zone 3 is a line drawn by an algorithm, and every manufacturer draws it slightly differently.
A useful habit is to record a few sessions where the numbers and the effort clearly disagreed - the watch said easy and the breathing said otherwise - and use those notes rather than a new calculator. Heart rate responds to heat, dehydration, caffeine, sleep debt and illness, so a single high reading is usually a comment on the day, not on your fitness.
Putting the five zones into a week
Most endurance plans spend the large majority of their time in Zones 1 and 2 and a small slice in Zones 4 and 5, with Zone 3 used sparingly because it is tiring without being specific. The common shorthand is roughly eighty percent easy and twenty percent hard, counted by session rather than by minute. The page cannot plan your week, but it can make the easy end of that split visible, which is the part people get wrong.
A simple use of this page is to pick the Zone 2 range, keep a session inside it, and check afterwards whether the effort felt as easy as the number suggested. If holding the bottom of the range requires real concentration, the range is probably too high for that day - heat, a poor night or a lingering cold all raise heart rate at the same workload.
None of this replaces a coach or a training plan, and none of it is medical advice. What the arithmetic offers is a defensible starting range built on a number you measured yourself, with the population guesses printed beside it so you can see how much of the answer is your data and how much is the formula.