Hi Libby, there are individual variations on heart rate from what I understand. I.E. I cannot seem to get my hr into my zone 3 according to my Polar even doing intense workouts that cause me to lose my breath. I've been told the maximum heart rate it figures is based on some kind of averages and are a good rule of thumb but do not apply to each specific person. So you may find you have a hard time/cannot meet your goal or you may find that you frequently work above your "max heart rate" and still feel great. In my Polar you can set your own Max. heart rate--if you know it (some people have lab tests done or do a home test to estimate like another poster described). But if you set all the setting to work for you that should help. Does yours let you enter your resting heart rate or have a built in test that measures it?
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