A heart rate monitor includes a user system adjacent to a users skin in communication with a remote processing system. The user system includes a user processor, a user memory coupled to the user processor, a clock signal generator coupled to the processor, a sensing system coupled to the processor for measuring at least a user heart rate, a user transceiver coupled to the processor, a user interface coupled to the processor, and a user antenna coupled to the transceiver. A user battery is coupled to the user processor, the user memory, the clock signal generator, the sensing system, and the user transceiver. The remote processing system includes a remote processor, a remote memory coupled to the remote processor, a remote transceiver coupled to the remote processor, and a remote antenna coupled to the remote transceiver.