What should my heart rate be during cardio exercise?

Start by determining your maximum heart rate. I suggest the following formula:
220 – your age = estimated maximum heart rate.
Take the estimate and multiply by appropriate intensity (this will vary between 40% and 90% depending on your physical condition).
Example – 50 year old female starting a cardiovascular fitness program after 10 years of activity
220 – 50 = 170 (maximum heart rate). 170 X 50% (suggested target rate based on starting condition) = 85. On a 10 minute walk the target heart rate should be around 85 for at least 5 minutes.
Important to be able to monitor heart rate during exercise.

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