Determining a safe upper limit for heart rate during exercise is specific to every individual person.
That is because your safe heart rate depends on your age, as well as the rate of your resting heart rate.
That is why it is easier to say that a safe upper limit is 60% to 90% of your maximum heart rate rather than us trying to provide you with a specific number.
If you want a general idea of what your maximum exercise heart rate should be, then you take 220 and subtract your age.
That is the maximum rate your heart should beat while exercising. If you are exceeding that amount, then you are working too hard and need to back off until your rate is 60% to 90% of that level.
When it comes to exercising, you want your heart rate to go up.
The goal is not to keep your heart rate down, something that many people don't understand. You want your resting heart rate to be low, not your exercising heart rate.
You really want your heart rate to be elevated and if you aren't achieving an increase of at least 50% of your maximum heart rate, then you aren't benefiting like you should from your exercises.
As you get into better shape, you want to try to achieve 90% of your maximum heart rate to get the most benefit from your exercises.
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