The target heart rate zone for effective cardiovascular workouts typically ranges from 50% to 85% of an individual's maximum heart rate. To calculate this, one can use the formula: 220 minus age. Exercising within this zone enhances cardiovascular fitness, improves stamina, and optimizes fat burning. For example, a person aged 30 would have a maximum heart rate of 190 bpm, aiming for a target range of approximately 95 to 162 bpm during workouts. Monitoring heart rate can help ensure effective and safe exercise intensity.