The recommended range of heart rate for effective fat burning during exercise typically falls between 60% and 70% of an individual's maximum heart rate. To estimate maximum heart rate, the general formula is to subtract age from 220. Exercising within this zone allows the body to efficiently utilize fat stores for energy rather than relying solely on carbohydrates. This moderate intensity approach not only aids in fat loss but also improves cardiovascular health. Monitoring heart rate during workouts can help individuals stay within this effective range for optimal fat-burning results.