Training zones
Calculate power zones from FTP and simple heart-rate zones from HRmax. Power is better for intervals; heart rate is useful for long efforts and fatigue control.
Power zones
FTP (Functional Threshold Power): FTP is threshold power: roughly the highest power you can hold for about an hour. A common field test is 20 minutes hard, then average power multiplied by 0.95.
Heart-rate zones
HRmax: The best HRmax comes from a test or race data. Age formulas are only estimates and can miss by more than ten beats. These zones use percentage of HRmax, not the Karvonen heart-rate reserve method.
Power vs heart rate: Power shows what you do at the pedals; heart rate shows how your body responds. Power reacts immediately, while heart rate usually lags.
In MTB and enduro, heart rate can be more useful for overall load because handling, bursts and descents do not always show up well in average power.