A system, method, and device for monitoring a cardiac signal of a user includes an emitter (LED) for transmitting light toward skin of the user, a receiver (photodiode) for receiving a reflection of the transmitted light and generating a light intensity signal, and a processor configured to generate a photoplethysmogram (PPG) signal based on the light intensity signal. The PPG signal includes a cardiac component, a motion component and a respiratory component. An inertial sensor provides a motion signal to the processor based on sensed movement of the device and one or more time-variant filters are configured by the processor to filter the PPG signal to isolate the cardiac component of the PPG signal based on determined filter coefficients.
