My Main Panel Box

This box has a capacity of 150A. The breakers in the upper section are as follows:

Left side upper: RANGE 60A, AIR CONDITIONER 40A, MAIN 60A

Right side upper: MICROWAVE 20A, FRIDGE 15A, KITCHEN LIGHTS 15A, DRYER 40A ["dryer" circuit is actually unused since we got a gas dryer]

The bottom section of the panel is controlled by the 60A "MAIN" breaker, and contains all the general use circuits in the house (all 15A, I think).

I would like remove all the breakers on the upper right side, and replace them with two 100A breakers controlling two subpanels. So, there will be only 5 double breakers in the upper portion--the three currently on the left and the two new 100A breakers on the right.

One of the subpanels will hold the 3 smaller circuits currently on the top right of the main panel (Micro 20A, Fridge 15A, kit lights 15A) plus a dedicated 20A circuit for an electric fireplace insert and 3 or 4 additional 15A circuits for general lighting and plugs for a basement remodel.

The other subpanel will go in the garage and contain a 30A circuit (garage workshop heater that will have intermittent use only in the winter), a 40A circuit (electric vehicle charger--intermittent use, mostly during the wee hours), and a 20A general use circuit. I don't envision the 30A and the 40A ever being used at the same time.

So, based on that background, a few questions:

  1. Given the load on the left side of the upper main panel (two 60A and one 40A), will the two proposed 100A subpanels overload the 150A main box? (Note that one of the 60A is for the range, which has intermittent use, and the 40A is for the AC, which will never be used at the same time as the 30A heater in the garage or the 20A electric fireplace insert.)

  2. If the proposed 100A subpanels will overload the main box, can I use two 60A subpanel breakers instead, or will they overload the main box?

  3. If I end up using a 60A subpanel for the garage, will the use proposed above (30A, 40A and 20A--with the 30A and 40A not used simultaneously) overload a 60A subpanel?

I appreciate any thoughts.



  • 1
    Why not just replace your main panel? For the cost of the 2 100 Amp sub panels, you could get a new 200 Amp main panel.
    – longneck
    Sep 20 '16 at 16:17
  • A couple of reasons (maybe not good ones, but they're all I've got): 1. If I upgrade the main panel, I'll have to replace almost all of the 15A and 20A breakers with combo AFCI breakers--which will up the cost significantly. 2. I'd still have to run three long circuits to the garage, so a subpanel is probably better for that purpose. 3. Adding 2 subpanels just seems easier than a heavy up--I can do the subpanels myself, but not so sure about the main panel. Sep 20 '16 at 16:50
  • Can you give us the square footage of a) the house as a whole, b) the area intended to be covered by the basement remodel circuits, c) the kitchen, and d) the garage? Also, can we have the nameplate wattages/amperages of the A/C and range? Finally, how many kitchen convenience receptacle circuits are there? Sep 20 '16 at 23:27
  • (a) sq ft whole house: ~2200 above ground; (b) basement ~1100; (c) kit: 200, (d) garage 440. Range: 13kw @ 120/240v. AC: 24A @ 208/230V. 8 convenience receptacles in kitchen. Also: Apart from the fireplace insert, there's nothing special in the new basement area that will draw significant power--just convenience receptacles. Sep 21 '16 at 0:29
  • Also, in case it's helpful: (1) The fireplace insert (dedicated 20A circuit, used only in winter) is 12.5A, and (2) the 20A circuit going into the garage is for 2 receptacles only, so I can plug in a table saw, etc.--only one tool will be on at a time; this circuit won't be used to wire the entire garage. Sep 21 '16 at 0:39

That is an old "rule of six" panel, which while grandfathered, is illegal under its grandfathering becuse it has 7 main breakers. Going to five is a good plan.

It is a classic "CH" panel which is a very good industrial grade panel, except that the 3/4" breaker width make non-ordinary breakers very expensive (a trait it shares with Square D QO). That makes it perfect for what you plan.

On your subpanel which would be near this panel, I would get a panel with a main breaker, with an eye toward (at some point in the future) cutting it over to be the main panel. In a subpanel, the "main breaker" is nothing more than an on/off switch, it is OK for it to be larger than the feeding breaker.

I would also get a rather large panel, at the very least 42 space and even 60 or 84 if practicable: because panel spaces are dirt cheap and often even come with free breakers, whereas running out of space is painfully expensive.

I would aim for an industrial grade panel of good repute (one available in 3-phase variants, not Homeline, BR, or second tier brands) and avoid the expensive 3/4" breakers (not CH or QO).

Over time, as you find it convenient, i'd migrate all your 1-pole and smaller 2-pole circuits over to the new panel.

For your garage panel anything would do, but I'd go for the same type as your indoor panel, so you can use some of those bonus breakers. Again it's false economy to scrimp on spaces, I'd go 20-30 at least.

Also, since garage spaces need to be on GFCI, consider getting a subpanel which has a "main breaker" which is GFCI, that way all the breakers in that panel would be protected (at the cost of potential nuisance trips, a big deal if you keep a freezer in the garage).

Ed Beal raises some very good concerns about overall capacity. One problem with these "rule of six" panels is there is literally no main breaker to stop you from drawing more than 150A. So it pays to be conservative.

It's a difficult situation because you have two big loads that operate sporadically - the EV charger and the range. And the A/C as a wildcard.

One thing I might suggest, is feed the garage subpanel from the new primary subpanel. And then move everything but the range over to the new subpanel. At that point the only things still in the CH panel would be a 60A range breaker and a 100A subpanel breaker. Even at max, those two could not overload the 150A service (by enough to matter). This would force your entire house (from A/C to EV charger) to share 100A, but would remove the possibility of an overload. This would also save you the $85 you'll spend on a second 100A CH breaker.


I believe your plans exceed your panel size. Running a quick load calculation with appropriate derated values as listed in the 2014 NEC standard method 220.14. Lighting & receptacle loads + range + AC + dryer. (I know you have a gas dryer now but if there is an outlet this needs to be added.) light & receptacles 6806 VA + range 8400 VA +AC 5760 VA + dryer 5000 VA = 25966 VA/240 = 108 A by adding the garage lighting and heat you will be pushing the panel.

If the installer used the minimum service drop wire size as allowed by 310.15.B.7.1 for the service (83% of 150A) you would be overloading the system with the additional loads described.

Electric vehicle charging as defined in article 625 is considered a continuous load so that adds another 50 amps to the calculated values. You may not intend to run some items at the same time but code requires requires the calculated value in several places.

I included the code references if you would like to double check.

220.12 lighting and receptacle load 2200 sq ft x 3 VA per square foot.

220.52 required small appliance and laundry circuits 4500 VA. 220.14.J required small appliance added to lighting load (some states also add the required bathroom circuit 1 for each bathroom 210.11.C.3 to the required circuits).

table 220.42 lighting Demand factor 35% after first 3000 VA.

table 220.55 Range 12kw or less use 8000 + 5% for each KW over 12.

220.54 dryer minimum 5000 VA.

220.60 non coincident loads (heat / AC use largest).

I believe the safest and code compliant way to add the loads described would be to upgrade the panel.

  • Thank you for the detailed comments. My jurisdiction uses 2011 NEC, but I doubt there will be much difference from what you set out above. One note: The dryer outlet has been removed--just the breaker remains, and it will be removed when/if it is replaced. So, removing the dryer from your calculation of 108A leaves 87A in the 150A panel. But if the Code requires the EV charger to be rated a continuous draw (40A charger, in my case), then that would bring us up to 127A without anything else I've put on my wish list. It does sound like we'd be getting pretty close to capacity. Sep 21 '16 at 19:22
  • Yes if the outlet is gone you do not need to add that. Continuous loads are calculated at 125%.
    – Ed Beal
    Sep 21 '16 at 19:26

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