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Here's how you figure your heart rate target. First, subtract your age from 220. Divide that number by 60% and 75%. If you are 35, that's 185 x 60% (111) and 75% (139). Your target is 111-139 beats per minute, and that's what you enter in your heart rate monitor. Check your heart rate while working out and stay in the lower part of the range if you're a beginner and higher if you're experienced. If you're already at a high fitness level, set your target between 70 or 75% and 85 or 90%. There is natural variation so you can make slight variations if these numbers either don't challenge you or leave you exhausted.