Whilst there are very general rules of thumb for heart rate and heart rate zones, max heart rate (and the consequent fat burn, cardio and anaerobic thresholds) are a very personal thing. As a cardiologist friend of mine put it to me, you either have a fast beating heart or a slow beating heart. I’m 44 and averagely fit from a cardio perspective, but will typically excercise at 180 / 185 bpm at the gym, but can push my heart rate up to around 210 if I’m pushing hard doing intervals, neither of which tally with standard HR formulas. Of course I could just be weird or awaiting and imminent heart attack!