The most common calcluation for optimal heart rate during exercise is as follows:

- Subtract your age in years from the number 220. So if you are 20, this number is 200. This gives you your maximum heart rate.
- The optimal heart rate for exercise is somewhere between 50% and 80%...

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The most common calcluation for optimal heart rate during exercise is as follows:

- Subtract your age in years from the number 220. So if you are 20, this number is 200. This gives you your maximum heart rate.
- The optimal heart rate for exercise is somewhere between 50% and 80% of the maximum heart rate. So for a 20 year old, it would be somewhere from 100 to 160 beats per minute.

Of course, this is a wide range -- the optimal rate for a particular individual will depend on his or her level of fitness.