My Karvonen Formula

206.9 - (0.67 x 28 (age)) = 188.14
188.14 - 65 (resting heart rate) = 123.14
123.14 * 65% (low end of heart rate zone) OR 85% (high end) = 80.041 OR 104.669
80.041 + 65 (resting heart rate) = 145.041
104.669 + 65 (rhr) = 169.669
The target heart rate zone for me would be 145 to 170

So, for optimal weight loss I've been overdoing my heart rate a little bit. I'll have to go slower. The only problem with that is that it takes longer to do the same exercise.

And while I'm at figuring out numbers here's my husband's:

206.9 - (0.67 x 38 (age)) = 181.44
181.44 - 65 (resting heart rate) = 116.44
116.44 * 65% (low end of heart rate zone) OR 85% (high end) = 75.686 OR 98.974
75.686 + 65 (resting heart rate) = 140.686
98.974 + 65 (rhr) = 163.974
The target heart rate zone for my husband would be 141 to 164