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Calculation and Chart By Age

By Published On: July 5, 20257 min readViews: 1670 Comments on Calculation and Chart By Age

The best fat-burning heart rate for you will typically fall between 50% and 70% of your maximum heart rate. However, several factors, such as your age and your desired intensity level, can affect this number.

Jump to Key Takeaways.

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Calculating Your Fat-Burning Zone

You need to use two equations to figure out your fat-burning zone. The first will give you the lower end of your fat-burning zone. The second will give you the higher end of that range.

  • Maximum heart rate for your age x .50 = lower end of fat-burning zone
  • Maximum heart rate for your age x .70 = higher end of fat-burning zone

What Is a Fat Burning Zone?

When you exercise, your heart rate quickens as your heart pumps more oxygen-rich blood to your muscles. In order to sustain this elevated heart rate, your body can burn stored glucose or fat. Your fat-burning zone is a lower-intensity heart-rate range (during activities like brisk walking) where you predominantly burn fat for fuel.

Determining Your Maximum Heart Rate

Maximum heart rate is the fastest your heart can beat per minute, typically during exercise or periods of high stress. As you can see in the above equations, you will need this number to determine your fat-burning zone.

There is some debate among experts regarding how best to calculate maximum heart rate. One way is the Fox formula. While useful, it doesn’t account for many individual differences that can influence your maximum heart rate, particularly your sex and fitness level.

Still, it is the recommended method of the American Heart Association. The Fox formula is calculated as follows:

  • 220 – your age = maximum heart rate
 Age  Maximum Heart Rate
 20 years  200 bpm
 30 years  190 bpm
 35 years  185 bpm
 40 years  180 bpm
 45 years  175 bpm
 50 years  170 bpm
 55 years  165 bpm
 60 years  160 bpm
 65 years  155 bpm
 70 years  150 bpm

While there are other (more complex) methods for estimating your max heart rate, at least one study that compared eight different methods found that the Fox equation was the best option for a general population.

Fat-Burning Zones by Age

The following chart lists fat-burning zones by age group. If you don’t want to do the specific calculations above, this can give you a general sense of your target heart rate to burn fat.

 Age Estimated Fat-Burning Zone
20 years 128–152 bpm
30 years 122–144 bpm 
35 years 118–141 bpm
40 years 115–137 bpm
45 years 112–133 bpm
50 years 109–129 bpm
55 years 106–125 bpm
60 years 102–122 bpm
65 years 99–118 bpm
70 years 96–114 bpm

Monitoring Heart Rate During Workouts

Many treadmills, elliptical machines, and other cardio equipment have special sensors that you can use to see your heart rate.

Other wearable devices, like heart rate monitors and smartwatches, can provide information on heart rate and track your readings over time. At least one study has suggested that a heart rate monitor with a chest-worn strap (such as those made by Polar) or an Apple watch may be the most accurate, especially when using a treadmill.

Exercises for Fat-Burning

Energy sources for exercise vary based on the intensity of the activity. At lower levels of activity, the proportion of energy derived from fat is higher.

Some examples of lower-intensity exercise include:

If you’re not sure whether an activity qualifies as low-intensity, you can do the talk test. Most people can talk and sing during low-intensity activity. If you can talk but you can’t sing, then the activity can be considered moderate intensity.

During high-intensity activity, most people aren’t able to get through a whole sentence without stopping to take a breath.

If your goal is fat-burning, try to find a low-intensity exercise that you find enjoyable and can do consistently most days of the week.

However, keep in mind that when you work at a lower level of intensity, you burn fewer total calories per minute than when working at a higher intensity. If you only have a short time to exercise, a higher intensity workout may work better to burn more calories if you are healthy enough for vigorous exercise.

Recommended Exercise

The AHA recommends getting at least 150 minutes of moderate-intensity exercise per week or 75 to 150 minutes of vigorous-intensity exercise. But adding any amount of physical activity to a sedentary lifestyle is beneficial to your overall health.

Other Considerations When Trying to Lose Weight

While reaching your fat-burning heart rate sounds like the way to lose weight, it’s not the only consideration. These elements are also important:

  • Caloric intake: The number of calories you consume from food depends mainly on the consumption of macronutrients, like fat, carbohydrates, protein, and more. These contain variable amounts of calories per gram, ranging from 4 to 9 calories/gram. If fat loss is your goal, you need to consume fewer calories than you burn each day.
  • Insoluble fiber: Fiber also plays a role in caloric intake, since insoluble fiber is not absorbed. Insoluble fiber adds bulk to what you eat, which can make you feel fuller. It does not, however, contribute to your caloric intake since it isn’t digested.
  • Gut microbiome: Studies on weight loss and metabolism have looked at the role of the gut microbiome—the microorganisms, including bacteria and viruses, that live in your gastrointestinal tract. While experts are unsure of the best way to optimize your gut biome, they suggest eating a healthy diet, including fresh fruit, vegetables, leafy greens, and naturally fermented foods. Avoiding stress, getting enough sleep, and regular exercise are also recommended.
  • Health conditions: The number and type of underlying health conditions you have (like type 2 diabetes or your heart health) can affect weight loss strategies and success. Always work with your healthcare provider before starting an exercise program to get personalized recommendations.
  • Resting metabolic rate: Your body requires a significant amount of energy for basic processes like heartbeats and breathing to take place, even when you’re resting. This is known as the resting metabolic rate. Any exertion beyond that burns more calories. Adding more muscle to your body through strength training can (slightly) increase your resting metabolic rate.

Key Takeaways

  • Your fat-burning zone is approximately 64% to 76% of your age-predicted max heart rate (220 minus your age).
  • Lower intensity exercise activities, such as brisk walking, can put you into the fat-burning zone.
  • If you are short on time, you can burn more calories per minute by working at a higher intensity, with activities such as running, cycling, or doing calisthenics.
Verywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
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  8. Centers for Disease Control and Prevention. Measuring physical activity intensity.

  9. American Heart Association. Recommendations for physical activity in adults and kids.

  10. U.S. Food and Drug Administration. Interactive Nutrition Facts Label – Dietary Fiber

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  12. UCLA Health. Gut microbiome makeup can determine ability to lose weight

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By Angela Ryan Lee, MD

Dr. Lee is an Ohio-based board-certified physician specializing in cardiovascular diseases and internal medicine.





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