Electrical Panel Schedule Calculator
Panel load calculation with NEC demand factors for lighting, receptacles, motors, and HVAC.
About this calculator
This calculator applies demand factors from NFPA 70 Article 220 (the National Electrical Code, or NEC) to four connected loads and sizes the panel bus from the result. Lighting load (VA) and Receptacle load (VA) each get the same simplified demand treatment: the first 10,000 VA counts at 100%, and anything above that counts at only 50%, so large lighting or receptacle loads contribute less than face value to Total demand (VA). Motor load (VA) is multiplied up to 125% (a simplified stand-in for NEC 430.24's "125% of the largest motor plus 100% of the rest"), and HVAC load (VA) counts at a full, undiscounted 100%. Because HVAC gets no demand-factor discount while lighting and receptacles do above 10,000 VA, HVAC load (VA) moves Total demand (VA) further than an equal change to lighting or receptacle load once those cross the 10,000 VA threshold. Panel voltage (V) and Phases (1 or 3) have no effect on Total demand (VA) or Total connected (VA) at all -- both are purely VA sums independent of voltage or phase count -- but they do determine Demand load amps (A), since amps is demand VA divided by voltage (and by the square root of 3 for three-phase).
The calculator adds a further 25%-of-continuous-load adjustment on top (NEC 215.3) before picking the smallest standard panel bus size that covers Adjusted amps (125%). If the required bus rating or panel space count exceeds the largest entry in the standard tables this calculator uses (2,000 A bus, 42-space panel), Exceeds Standard Sizing flags 1 -- but the two conditions it combines are very different in severity, so check Bus loading (%) to tell them apart. If Bus loading (%) is at or under 100%, only the panel space count exceeded its table (you likely just need more circuit spaces, e.g. a subpanel) and the displayed bus rating is still a safe recommendation. If Bus loading (%) is over 100%, the bus itself is undersized -- the displayed bus rating is only the largest table entry shown for reference, not a safe recommendation, and that combination needs a custom switchgear design from an electrical engineer instead.
Inputs
Results
Total demand (VA)
38,750
Figures current as of 2026. Source: National Fire Protection Association, NFPA 70, National Electrical Code (NEC), 2026 Edition
How to Use This Calculator
- Enter the connected lighting, receptacle, motor, and HVAC loads in volt-amperes from your circuit schedule.
- Set the panel bus voltage (208 V for 120/208 V systems, 480 V for 277/480 V systems).
- Select single-phase (1) or three-phase (3) to match your panel type.
- Read the total demand VA after NEC 220 demand factors are applied and the minimum bus rating in amperes.
- Check the bus loading percentage and recommended panel spaces to confirm adequate capacity.
- If Exceeds Standard Sizing (1=Yes) is flagged, check Bus loading (%) first: at or under 100% means only the panel space count exceeded its table (the bus rating is still safe, you likely just need more circuit spaces); over 100% means the bus itself is undersized and the displayed bus rating is only the largest table entry, not a safe recommendation -- consult an electrical engineer for switchgear sizing in that case.
How the result changes with HVAC load (VA)
| HVAC load (VA) | Total demand (VA) |
|---|---|
| 6,000 | 32,750 |
| 9,000 | 35,750 |
| 18,000 | 44,750 |
| 30,000 | 56,750 |
What each input means
- Lighting load (VA)
- Total connected lighting load in volt-amperes.
- Receptacle load (VA)
- Total connected receptacle load in volt-amperes.
- Motor load (VA)
- Total connected motor load in volt-amperes.
- HVAC load (VA)
- Total HVAC equipment load in volt-amperes.
- Panel voltage (V)
- Panel bus voltage (120/208, 277/480 typical).
- Phases
- Single-phase or three-phase panel.
What each result means
- Total demand (VA)
- Total demand load after NEC 220 demand factors applied.
- Total connected (VA)
- Sum of all connected loads before demand factors.
- Demand factor (%)
- Ratio of demand load to connected load.
- Demand load amps (A)
- Total demand load current.
- Adjusted amps (125%)
- Load adjusted for continuous loads per NEC 215.3.
- Min bus rating (A)
- Minimum standard panel bus ampere rating.
- Bus loading (%)
- Percentage of selected bus rating utilized.
- Recommended panel spaces
- Panel spaces with 25% spare capacity.
- Exceeds Standard Sizing (1=Yes)
- 1 if the required bus rating OR panel space count exceeds the largest entry in the standard bus (2,000 A) or panel (42-space) table. These two conditions differ sharply in severity -- check Bus loading (%) to tell them apart. If Bus loading (%) is 100% or under, only the panel space count exceeded its table: the bus rating itself is still a safe recommendation, and more circuit spaces (e.g. a subpanel) is likely all you need. If Bus loading (%) is over 100%, the bus itself is undersized: the displayed bus rating is only the largest table entry, NOT a safe recommendation, and you need a custom switchgear design from an electrical engineer.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersLighting load (VA) = 15000, Receptacle load (VA) = 8000, Motor load (VA) = 5000, HVAC load (VA) = 12000 = 6 input(s) provided
- Calculate Total demandTotal demand = lightingDemand + receptacleDemand + motorDemand + hvacDemand38750 = 38750
- Calculate Total connectedTotal connected = lightingVA + receptacleVA + motorLoadVA + hvacVA40000 = 40000
- Calculate Demand factor96.9 = 96.9
Figures and sources
- Lighting/receptacle demand factors (220.42, 220.44) and continuous-load bus sizing (215.3, 408.30) (2026) — National Fire Protection Association, NFPA 70, National Electrical Code (NEC), 2026 Edition
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.
Frequently Asked Questions
Why does the demand factor discount lighting and receptacle loads but not HVAC?
Article 220 of NFPA 70 (the National Electrical Code) assumes lighting and receptacle circuits are rarely all drawing full current simultaneously once a building is large enough, so this calculator applies the standard first-10,000-VA-at-100%-then-50% discount to both Lighting load (VA) and Receptacle load (VA). HVAC load (VA) is treated as continuous, code-required capacity and counted at a full 100% with no discount, which is why a large HVAC load pushes Total demand (VA) up more directly than an equally large lighting or receptacle load.
Do panel voltage and phase count change the total demand load?
No -- Total demand (VA) and Total connected (VA) are pure volt-ampere sums of the four load inputs and never reference Panel voltage (V) or Phases (1 or 3). Those two inputs only come into play when converting the demand load from VA into amperes (Demand load amps (A)), where three-phase divides by voltage times the square root of 3 instead of voltage alone.
What does Exceeds Standard Sizing mean, and what should I do if it reads 1?
This calculator selects the smallest bus rating from a standard table (100 A up to 2,000 A) and the smallest panel space count from another (12 up to 42 spaces). The flag reads 1 whenever EITHER table is exceeded, and the two cases are very different -- check Bus loading (%) to tell them apart. If Bus loading (%) is at or under 100%, only the panel space count exceeded its table: Min bus rating (A) is still a safe, real recommendation, and you likely just need more circuit spaces (e.g. a subpanel). If Bus loading (%) is over 100%, the bus itself is undersized: Min bus rating (A) is only the largest table entry shown for reference, not a safe recommendation, and you need a custom switchgear design from an electrical engineer instead.
Why might bus loading show over 100%?
Bus loading (%) is Adjusted amps (125%) divided by the selected Min bus rating (A). It normally stays at or under 100% because the calculator selects a bus rated at least as large as the adjusted load. If your combined loads are large enough that no standard bus size (up to 2,000 A) is big enough, the calculator falls back to the largest available size and Bus loading (%) can read over 100% -- check Exceeds Standard Sizing in that case, since the displayed bus rating is undersized for the actual load.
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