Your fat-burning zone using the Karvonen (heart rate reserve) method is 137 to 149 bpm.
At this intensity, your body relies primarily on fat as fuel rather than stored carbohydrates - ideal for steady-state cardio and weight management.
Your heart rate reserve is 120 bpm (max 185 bpm minus resting 65 bpm), which personalises the zones compared to a simple percentage method.
Aim to spend 2-3 sessions per week in this zone for 30-60 minutes to build aerobic capacity and support fat loss over time.
Next stepTo confirm accuracy, measure your resting heart rate on three consecutive mornings and average the results, then enter it for the Karvonen calculation.