Calculate your training heart-rate zones from your age. See your maximum heart rate and the fat-burning, cardio and peak zones, with Karvonen zones if you enter a resting heart rate.
Enter your age and, optionally, your resting heart rate. The calculator finds your maximum heart rate (220 minus age) and your fat-burning, cardio and peak zones. Entering a resting heart rate switches to the more personalised Karvonen method.
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A target heart rate calculator finds the beats-per-minute ranges to aim for during cardio, so you train in the right zone for fat burning, fitness or performance. Add your resting heart rate for personalised Karvonen zones.
The Karvonen method (with resting HR) is more personalised because it accounts for your fitness level. The simple percentage-of-max method is fine when you don't know your resting heart rate.
It's a rough estimate with a wide margin. A newer formula (208 − 0.7 × age) is a bit more accurate, but for training zones the simple version is widely used.