Originally Posted by
rdtompki
There are more "accurate" formulas, but the formulas only fit to the average. Your individual mileage and HR may vary.
I agree. They give a good starting point. One way to check max heart rate is to ride with a fast group and see what how high your heart rate goes. After a half dozen rides, you should have a good idea. I have heard that heart rate is also somewhat exercise specific. That is for the same person, running, cycling and rowing could all give different numbers.