The Karvonan Formula can be used to determine your optimum heart rate training zone. It works like this: Take the number 220 and subtract your age, then subtract your resting pulse. Multiply that number by .60(for the average person), .70 (for athletes), or .50 for deconditioned people or those just starting an exercise program. Then add your resting pulse back to the number you just came up with. This will give you the lower end of your training zone.

Next, do the same thing again to determine the upper end of your zone, but use.75, .85, or .65 accordingly. What you will have when your done is the recommended range in which you should attempt to keep your heart rate while performing cardiovascular conditioning.