The formula problem
Why 220-age is wrong
The "220 minus age" rule was a 1971 Fox/Haskell back-of-envelope estimate, never validated. Tanaka et al. (2001, meta-analysis of 18,712 subjects) showed it misses true HRmax by 10–20 bpm routinely — systematically overestimating for the young, underestimating for the old. Two athletes of the same age can differ by 30 bpm.
Modern formulas (Tanaka 208 − 0.7×age; Nes 211 − 0.64×age from the Norwegian HUNT study n=3,320; Gulati 206 − 0.88×age for women) cut that error roughly in half. A measured max from a field test beats every formula.
Karvonen vs %HRmax
Why Karvonen wins for personalisation
%HRmax sets zones as a percentage of your max heart rate alone. Karvonen uses heart-rate reserve (HRmax − RHR), accounting for individual aerobic fitness via resting HR. A fit person with RHR 45 bpm and an unfit person with RHR 75 bpm get very different Z2 ranges at the same intensity — Karvonen reflects that; %HRmax doesn't.
Karvonen correlates better with %VO2 reserve in validation studies and is the better choice once you have a reliable RHR.
Zone 2 truth
What Iñigo San Millán actually means
The popular Zone 2 trend is physiologically defined as the intensity that maximally stimulates mitochondrial function — lactate around 1.7–1.9 mmol/L (LT1), the FatMax point. HR-based estimates of this zone vary widely between athletes — two same-age people can have very different "real" Z2 ranges.
Practical proxies that beat the HR estimate alone: talk test(full sentences possible, no gasping), nose breathing(if you have to mouth-breathe, you're too high), and RPE 3–4/10. If those say easy but HR says Z3, trust the body.
Polarised training
80% easy, 20% hard
Stephen Seiler's research on elite endurance athletes consistently shows ~80% of weekly training time in Z1-Z2 (easy) and ~20% in Z4-Z5 (hard intervals), with minimal time in the Z3 "grey zone" middle. This outperforms threshold-heavy distributions for both performance and injury prevention.
The amateur trap: training easy days too hard and threshold days too easy — ending up with a high-volume Z3 plateau where nothing improves. Fix both ends.
Field test protocol
How to find your real max HR
For running: After 10-minute easy warm-up, do 3× 3-minute hill repeats at progressively higher effort, with a 90-second jog between, then a final 20-30s all-out sprint at the top. Note peak HR within 5 seconds after the sprint.
For cycling: Same idea — 10-min warm-up, then a 10-min time trial all- out, with a 30s sprint in the final minute. Peak HR within 10 seconds of finishing is your max.
Do this only after a full warm-up, rested, with a spotter/water nearby. Skip if you have heart conditions, blood pressure issues, or are medicated.
HRV
Today's zone should bend to today's recovery
Heart-rate variability — measured by Whoop, Garmin, Oura, Polar H10 — gauges autonomic recovery overnight. Low HRV means your nervous system hasn't recovered; high HRV means it has.
The rule: if HRV is significantly below your rolling baseline, drop today's plan to Z1-Z2 regardless of what the program says. Forcing a Z4 interval session on a low-HRV day just compounds stress and slows adaptation.
Medical disclaimer
For healthy adults. If you have cardiovascular disease, arrhythmia, uncontrolled blood pressure, or are on beta-blockers or stimulants, consult a doctor before using HR-based zones. Beta-blockers specifically cap your max HR; the formulas don't apply.
