CALORIE BURN: The overwhelming goal for most clients is weight loss. To achieve this end, clients often ask the best way to maximize calorie expenditure during exercise. It is important to determine your unique heart rate training zones so you can perform exercise routines at levels that will increase fat burn. This can be accomplished by computing your zones with the Karvonen formula. Prior to using this formula, you must find your resting heart rate (RHR) the first thing in the morning.
 
220-Age=Max Heart Rate (MHR)
MHR-RHR= A
A x .60= B
A x.70=C
B+RHR=60% of MHR
C+RHR=70% of MHR

Those are your own personal training zones to maximize your calorie expenditure. The goal for weight loss is to maintain 60-70% of your heart rate maximum during cardiovascular exercise.