Calculated HRmax vs. HRmax seen on your HRM

According to HR calculators my highest heart rate should bei 195. The highes value I have seen on my HRM and this was only one time was 179 and once 178.
Now, I know the calculated heart rate is just a rough estimation and, therefore, I am wondering if my highest heart rate isn't maybe lower and closer to the values I saw on my HRM. I also have a very low resting heart heart rate which is genetically and not because of my awesome fitness (not). So wouldn't it be logically that my max heart rate is also lower?
Please let me have your thoughts and I would also be interested to see your heart rate values vs the calculator values

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