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NEC Article 220 · Free, unlimited, no signup

Residential Load Calculator

Standard or Optional method, NJ-aware defaults, EV charger preset with the 125% continuous-load multiplier already applied. Math you can verify line-by-line against the NEC. Built and used by a licensed NJ master electrician.

Building

NEC 220.12

Selected equipment

NEC 220.50–220.55
Electric range (free-standing)
NEC 220.55
Electric clothes dryer
NEC 220.54
Electric water heater
NEC 220.50
Dishwasher
NEC 220.53
Garbage disposal
NEC 220.53
Central A/C condenser
NEC 220.82(C)
EQUIPMENT
VA
QTY

Add equipment

HVAC
EV charging
Cooking
Laundry
Water heating
Fixed appliances
Pool / spa

Largest motor (optional)

NEC 220.50

Frequently asked questions

What is the difference between the Standard and Optional methods in NEC 220?

The Standard method (Part III) applies the demand factor in Table 220.42 to general lighting + small appliance + laundry loads, then adds fixed appliances at 75% (if 4 or more), cooking per Table 220.55, dryer at 5,000 VA minimum, and the larger of A/C or heat. The Optional method (Part IV, NEC 220.82) groups general loads and counts the first 10 kVA at 100% and the remainder at 40%, generally producing a smaller calculated load. Both methods are NEC-compliant; choose whichever your AHJ accepts.

Why is the EV charger multiplied by 125%?

EV charging equipment is defined as a continuous load by NEC 625.41 and 625.42. Continuous loads — those that operate at maximum current for 3 hours or more — must be sized at 125% of the connected load when calculating service or feeder ampacity, per NEC 215.2 and 230.42.

Does this calculator work for NJ permit applications?

Yes. Malfettone Electric uses this same engine internally on Hudson and Essex County permits. The exported PDF includes our license number, date, and address fields formatted to match what NJ AHJs expect on F120 electrical subcode applications.

Do I need to upgrade my service if my calculated load is over 100 amps?

Not always. NEC 230.42 requires the service to be sized for the calculated load including any continuous-load multipliers. If your calculation lands at, for example, 138 amps, a 150A service could technically suffice, but most NJ contractors size up to 200A to leave headroom for future EV chargers, generators, or solar tie-ins. PSE&G and JCPL also have utility-side service-class thresholds that affect the application path.

Can I save my calculation?

A free Malfettone Tools account lets you save calculations to your library, share them by URL, and export branded PDFs. Account creation is one click — name and email only. The calculator itself works with no signup.

Need a panel upgrade in NJ?

If your calculation lands above 150A, you’re probably looking at a 200A service upgrade. Malfettone Electric handles every step — load calc, single-line diagram, F120/F140 permit applications, PSE&G or JCPL utility coordination, install, and inspection. Free virtual estimates.

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