Take 220 and minus your age which is accurate to approximately +15 Beats Per Minute. You then take that number and multiply it by .75 - .85, which will give you your percentages of 75% -- 85% of your Maximum Heart Rate.
(220-Age) x .75 = beats per minute (lower range)
(220-Age) x .85 = beats per minute (upper range)
This is the Target Range or Zone that you want to stay in when doing any type of cardiovascular (aerobic) activity. When in this range your body is getting an optimum workout with maximum benefit, and it stays in a Fat Burning mode.
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