That Karvonen calculator is calculating MHR as 220-age
Target Heart Rate Zone Limits (Old Method) ... i.e. basic "% max heart rate"
Karvonen Formula (Heart Rate Reserve Method - The Gold Standard) ... this is the "% working heart rate" (i.e. ala the Parker book).
Both rely on an accurate Max Heart Rate to obtain meaningful zones ... but the calculator uses "220-Age" which is not accurate for many people (though it's pretty close for me).
Edited: 09/02/2009 at 17:17