Schwinn 130 MY20 Upright Bike | Your Ticket to a Life Well-Lived

Designed for fitness enthusiasts of all levels, the Schwinn 130 MY20 Upright Bike provides the quality and value that have made Schwinn the “go-to” brand for generations. It’s Schwinn’s most affordable upright bike that’s intuitive, ergonomic, and loaded with user-friendly features for a cardio workout that’s effective, comfortable, and enjoyable.

Amp up your exercise with the Schwinn 130 MY20 Upright Bike. The 13 workout programs help you focus on weight loss, aerobics, or performance goals, and the telemetry heart rate monitor lets you know when you’ve hit your target range. Explore the World, and Zwift apps (separate subscriptions required) help make your workouts intriguing and motivating.

It’s a fun, comfortable ride offering 16 levels of resistance, adjustable handlebars, and smooth magnetic resistance. The 130’s connectivity options allow you to immerse yourself in scenic destinations that match your cycling speed and interact with others in a virtual world that motivates you at every mile. Explore your next adventure with the Schwinn 130 – your ticket to a life well-lived.

Learn more in my complete review below

Schwinn 130 Upright Bike MY20

Product: Schwinn 130 MY20 Upright Bike

Price: For a great deal on this bike, merely go here on Amazon

Warranty: Frame 10 years / Mechanical 2 years / Electrical 1 year / Labor 90 days

My rating: 9/10

Amazon Affiliate Disclosure: I may earn commissions on purchases made through links in this post.

Details and Specifications

  • Assembled dimensions: 41L x 22W x 58H inches (104L x 56W x 147H cm)
  • Assembled weight: 70 lbs (31.7 kg)
  • Supported weight: 300 lbs (136 kg)
  • Handlebar: Adjustable, with pulse sensors
  • Seat: Adjustable
  • Resistance: Motorized magnetic, 16 levels
  • Console: 13 programs, goals, Bluetooth, Explore the World, and Zwift App compatible
  • Extras: Device holder, bottle holder
  • Warranty: Frame 10 years / Mechanical 2 years / Electrical 1 year / Labor 90 days

130 Frame construction

The Schwinn 130 MY20 upright bike features a steel frame combining oval and cylindrical tubes in its construction for improved aesthetics. The bike’s base frame with the drivetrain and the resistance elements come covered by several durable guards made of thermoplastic material.

Schwinn 130 Upright Bike MY20

The steel bars come coated with a corrosion-resistant paint finish; the color used is black, this being the only color available for this model.

The bike is a bit larger than the average upright bike. However, it’s still a reasonably small fitness machine. With all the parts assembled, it is approx 41″ (104 cm) long and 22″ (56 cm) wide. Due to its slightly larger footprint and low center of gravity, it provides excellent stability.

Plus, it weighs approx. 70 lbs (31.7 kg) are quite a bit more than the average road bike; this weight also adds to the unit’s overall stability.

This Schwinn exercise bike does not have a folding frame. It is easy to move, though, once assembled. Its front base stabilizer comes equipped with two small transport wheels, while the rear stabilizer features two adjustable levelers.

Seat and handlebars

The Schwinn 130 MY20 comes equipped with a seat designed for optimal comfort, and it is larger than the average spin seat. Its inner shell is durable nylon material, while its cover is high-density foam. It is slightly contoured and also has an inner layer of padding.

The saddle has a standard, collar-type connection system to the post. This means it is easily removable if necessary. It also means that models compatible with the bike are widely available. You should be able to find a saddle to fit in most bike shops.

The seat is only two-way adjustable (up, down). It does not have a horizontal slider. Its upright post features multiple adjustment positions, so the bike should be able to accommodate users between 5’0″ and 6’5″ (153 – 196 cm) with no problem. The bike has a maximum user weight capacity of 300 lbs (136 kg), which applies to the seat assembly.

The Schwinn 130 MY20 upright bike comes equipped with a multi-grip handlebar. It offers the possibility to adopt a racing grip, a climbing grip, and a close crip. Its side grips have foam sleeves for improved comfort, and the lower section of the handlebar integrates a set of metallic pulse sensors. By holding on to them, the console can monitor your heart rate.

The front upright bar of the bike is non-adjustable. However, the handlebar is angle-adjustable. Its connection point to the front vertical bar features a small knob that allows you to loosen it, change its angle, and re-tighten it. Not all upright bikes have this feature, so it’s a plus.

Schwinn 130 Upright Bike MY20
Schwinn 130 Upright Bike MY20

130 Resistance system

The Schwinn 130 MY20 upright bike comes equipped with a motorized magnetic resistance system. This means that it requires an external power source. A 60Hz AC input / 1.5A output, a 110V-120V power adapter are included. It also means that the console is programmable and can adjust the pedal resistance automatically.

The bike’s resistance system consists of a servo motor and a magnetic brake. When you adjust the console’s resistance or adjust the resistance automatically, the motor changes the magnetic brake’s position to the internal flywheel. This adds or reduces the pedaling difficulty.

As opposed to the older Schwinn 130 MY16 model, the MY20 only has 16 levels of resistance (down from 20). The first few levels deliver a relatively light pedaling difficulty, great for warm-ups, recovery training, or muscle toning. Conversely, the 16th level of resistance offers considerably more pedaling difficulty simulating a hill climb.

The exact weight of the internal flywheel is not specified. However, considering the bike’s total weight, it probably doesn’t weigh more than 30 lbs (13.6 kg). It is perimeter-weighted designed for enhanced inertia. It is also bi-directional (you can pedal in reverse if you want).

Drive system

Similar to most other exercise bikes with magnetic resistance, the Schwinn 130 has a belt drivetrain. This type of drive system does not require any lubrication. It also generates less vibration than a chain drive, so the pedaling motion is smooth and almost entirely silent.

The bike comes equipped with a sturdy 3-piece crankset. The internal pulley is a bit larger in diameter than the flywheel. The two crank arms are cylindrical, steel-made, and painted black.

Schwinn 130 Upright Bike MY20

They are thinner than the crank components of a road bike, so they are not meant for spinning workouts or standing up on the pedals.

The bike comes with a set of standard exercise bike pedals. They are solid thermoplastic material with a metallic core. They are weighted, so they should always turn face-up when you remove your feet from them, and they also have adjustable straps for improved foot stability.

130 Console

The console included with the Schwinn 130 MY20 offers fewer features than the console of the MY16 model. First of all, it lacks a smaller bottom display. It only has one 5.5″ display that tracks time, distance, speed, RPM, calories burned, and heart rate. Speed and distance are either English units (mph, miles) or Metric units (km/h, kilometers).

You can either use a Bluetooth chest strap or armband (this accessory does not come included) or hold on to the sensors integrated into the handlebars.

The console has 13 workout programs assigned to 3 categories, each category with its separate button. The categories are Manual, Interval, and Challenge. Naturally, the Manual category includes the Manual program. This typical workout allows you to adjust the resistance as you like during the workout manually.

The Interval mode only has one interval program. It is a “sprint” for 30 seconds and a “recovery” for 90 seconds. It’s default duration is 12 minutes.

The Challenge mode includes 11 workout programs. The first ten are standard pre-set. These programs automatically adjust the pedaling resistance depending on their segment layout. You can set up goals for each one of them for time, distance, and calories burned.

Schwinn 130 Upright Bike MY20
Schwinn 130 Upright Bike MY20 (tablet sold separately)

The 11th program is the HRC program. This has a 125 BPM default. This means the resistance will adjust depending on your current BPM, decreasing if you exceed 125 BPM and increasing if you fall below 125 BPM. The default 125 BPM value is adjustable.


The console has Bluetooth connectivity and is compatible with various fitness apps, such as Zwift and Explore the World. These, however, require an existing subscription. If you have any of them installed on your smartphone or tablet, you should be able to benefit from a virtual cycling experience, keep track of your progress, and compete with friends.

The console is also compatible with the Schwinn Toolbox app, which allows you to update the internal software if necessary.

Finally, the console does not have a sound system feature or a workout fan feature but has a device holder. This accessory consists of a small shelf placed above the controls, large enough to accommodate any tablet.

130 Assembly and Maintenance

The base frame of the bike with all the drive and resistance elements comes pre-assembled. The rest of the parts do require user assembly, though. You will have to install the two base stabilizers, the seat post, the saddle, the front upright bar, the console, and the pedals.

This shouldn’t take more than an hour of your time. The manual provides clear assembly instructions with illustrations, and all the necessary tools come included with the bike.

Once assembled, you don’t have to worry too much about maintenance. The internal parts don’t need any periodic lubrication or maintenance. So, all you have to do is keep the bike clean and periodically inspect it to ensure that everything functions properly.

Schwinn 130 Upright Bike MY20


  • Sturdy construction – can support users up to 300 lbs;
  • Elegant design;
  • Large, padded seat;
  • Angle-adjustable, multi-grip handlebar with foam sleeves;
  • Grip pulse sensors;
  • Weighted pedals, with adjustable straps for extra stability;
  • Motorized magnetic resistance – 16 levels;
  • Multi-function console with a 5.5″ LCD;
  • 13 workout programs;
  • Goal settings for time, distance, and calories;
  • Bluetooth connectivity;
  • Compatible with various apps such as Zwift, Explore the Worlds, and Schwinn Toolbox;
  • Bluetooth HR chest strap or armband compatible;
  • Device holder included;
  • Maintenance-free;
  • Easy to assemble;
  • All the necessary assembly tools come included;
  • Excellent warranty.


  • Zwift and Explore the Worlds subscriptions do not come included with the bike;
  • Bluetooth HR chest strap does not come included;
  • A tablet placed on the device holder may cover the LCD.

Schwinn 130 MY20 Upright Bike Summary

The Schwinn 130 MY20 is an upright exercise bike designed for home use. It features a 16-level eddy current resistance system, superior ergonomics, and a Bluetooth console compatible with apps like Zwift or Explore the World. The console also has 13 onboard programs.

Moreover, it’s a tremendous stationary bike for muscle toning, stamina development, weight loss, interval training, and recovery training. And even though it lacks some of the features compared with the MY16 model, it still is one of the best that you can get in this price range.

I hope you found this article helpful and informative. If you have anything you would like to share or any opinions about my website, please speak up. I look forward to your comments, questions, and the sharing of ideas.

4 thoughts on “Schwinn 130 MY20 Upright Bike | Your Ticket to a Life Well-Lived”

  1. Hello there, thank you so much for sharing this. this is a very awesome piece and a very detailed one. I’m thrilled I came across this.  Reading about this article, Schwinn 130 MY20 upright bike- your ticket to a life well lived sounds really interesting. Exercise with the right equipment keeps your body fit. Going through this article was indeed helpful and informative. I’ll definitely try this upright bike out.

  2. With the new year coming in and my promise of being healthier (not the first time, I must admit lol), I have been wanting to look for some exercise equipment that I could use at home, to save gym fees and finding babysitters. This bike seems perfect for that, actually, but when I tried to purchase it said currently unavailable. Do you know where else I may get one for the same price as I really didn’t want to spend much more? Thanks!

    • Hello Sophie, thanks for your interest in the Schwinn 130 MY20 Upright Bike. I looked on Amazon, and it’s in stock for $349.00. This is a direct link to it on Amazon. Are you from the United States, or are you from another country? If you are from another country, Amazon may still ship it to you. However, you may have to pay shipping charges. In any event, if you need any assistance, please reach out to me.

      Warmest regards, Robert


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