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For example, if you are 35 years old, your theoretical maximum heart rate is 185. Establish your THRR by multiplying this number (185) first by 60% to establish the lower limit and then by 85% to establish the upper limit. Examples for age 35: Fat Loss Training Range: Lower limit: (220 less 35 185) X .60 111 beats/min. == Upper limit: (220 less 35 185) X .75 139 beats/min. == Cardiorespiratory Training Range: Lower Limit (220 less 35 =185) x .75 =139 beats/minute Upper Limit (220 less 35=185) x.