Heart Rate Zones for Age 45: Target BPM for Every Training Zone
Estimated maximum heart rate at age 45: 175 BPM (220 − 45 formula). Average resting HR for this age group is approximately 72 BPM. The five zones below define effective training intensity ranges.
5-Zone Heart Rate Chart — Age 45
Zone 1
Recovery
88–105 BPM
Active recovery, fat burning
55% max
Zone 2
Fat Burning
105–122 BPM
Aerobic base, fat oxidation
65% max
Zone 3
Aerobic
122–140 BPM
Cardiovascular fitness
75% max
Zone 4
Anaerobic
140–158 BPM
Speed and performance
85% max
Zone 5
Maximum
158–175 BPM
Elite training only
95% max
The 220−age formula has a standard deviation of ±10–12 BPM — meaning true max HR at age 45 could reasonably range from 163 to 187 BPM. For a more accurate estimate, a graded exercise test (GXT) is the gold standard.
To measure your heart rate: place two fingers on your carotid artery (side of neck) or radial artery (inside wrist) and count beats for 15 seconds, then multiply by 4. A chest strap heart rate monitor is the most accurate wearable method.