Fat Burning Zone Calculator
Exercise heart rate zones help you train at the right intensity for your specific goal. The fat burning zone (typically 60-70% of maximum heart rate) is where fat contributes the highest proportion of energy, though it does not necessarily burn the most total calories. This calculator uses the Karvonen method, which accounts for both maximum heart rate and resting heart rate to personalise your zones. It outputs all five standard training zones plus your fat burning zone specifically, with bpm ranges for each. Enter your age, resting heart rate, and optionally your measured maximum heart rate to get precise personalised zones.
Karvonen method formula
Max HR = 208 - (0.7 x Age) [Tanaka formula]
HRR (Heart Rate Reserve) = Max HR - Resting HR
Target HR = Resting HR + (Zone fraction x HRR)
Fat burn zone = 60-70% of HRR above resting
Fat burning zone: frequently asked questions
What is the fat burning zone?
The fat burning zone is the exercise intensity range (typically 60-70% of maximum heart rate) at which fat provides the highest proportion of energy burned. At lower intensities, the body uses a greater percentage of fat for fuel, though total calories burned are lower than at higher intensities.
Is the fat burning zone the best way to lose fat?
Not necessarily. While a greater percentage of energy comes from fat at lower intensities, higher intensity exercise burns more total calories per minute. Research shows that overall caloric deficit, not fat burning percentage, is the primary driver of fat loss. High-intensity intervals may burn more total fat overall in less time.
How is maximum heart rate estimated?
The most commonly used formula is 220 minus age (Fox et al.). The Tanaka formula (208 - 0.7 x Age) is somewhat more accurate for older adults and is used by the ACSM. For precision, a maximal exercise test is the gold standard but requires medical supervision for older or at-risk individuals.
What are the 5 heart rate training zones?
Zone 1 (50-60%): Very light, active recovery. Zone 2 (60-70%): Light aerobic, fat burning zone. Zone 3 (70-80%): Aerobic fitness. Zone 4 (80-90%): Lactate threshold. Zone 5 (90-100%): Maximal effort, VO2 max. Most effective training programmes include all zones.
How do I calculate heart rate training zones accurately?
The Karvonen method uses heart rate reserve (HRR = Max HR - Resting HR) to personalise zones: Target HR = Resting HR + (Fraction x HRR). This is more accurate than simple percentage of max HR because it accounts for fitness level via resting heart rate. Resting heart rate should be measured at complete rest, ideally first thing in the morning.
Official sources
- American College of Sports Medicine: ACSM Guidelines for Exercise Testing and Prescription.
- Centers for Disease Control and Prevention: Target Heart Rate and Estimated Maximum Heart Rate.
Reviewed by the CalculatorHub team, edited by James Graham, 14 June 2026. See our methodology.