How the zones are worked out
Maximum heart rate. A measured maximum from a supervised test or an all-out race finish beats any formula. The familiar 220 − age is usually credited to Fox and colleagues (1971), but it was never derived from a formal study. Tanaka, Monahan and Seals (2001) pooled 351 studies and found that 208 − 0.7 × age fits healthy adults better, especially past 40. Either way, a real person's maximum is often 10 bpm or more away from the prediction, so treat zone edges as approximate.
Karvonen zones use your heart-rate reserve, the gap between resting and maximum: each zone starts at resting + percentage × reserve, so a lower resting rate spreads the zones wider. Percent of maximum is simpler and ignores the resting rate.
The five 10 % bands are a coaching convention, not a clinical standard. The ACSM column compares each band with the American College of Sports Medicine's intensity classes: moderate is 40–59 % of heart-rate reserve, vigorous 60–89 %.
Heart rate lags behind short efforts, drifts up in heat and long sessions, and some medicines such as beta blockers lower it; then go by how hard the effort feels as well.