The minimum breaker rating for a branch circuit under the 2023 NEC 125% continuous-load rule, the next standard size, and the smallest conductor allowed on it
Hire a Licensed Electrician: Local Code and the Permit Decide
A wrong breaker or wire size is a fire hazard that may not show up until the wire has overheated for years. This calculator applies the national model code, NFPA 70 (NEC) 2023, to the numbers you enter. Your state or city may adopt a different edition or add amendments, most new circuits need an electrical permit and an inspection, and the equipment's own nameplate and installation instructions can require a specific breaker. Use the result to plan and to check a quote, and have a licensed electrician size, install and verify the circuit. Turn the power off at the main before opening any panel, and leave panel work to a professional.
How the Breaker Size Is Calculated
Under the NEC, a continuous load is one whose maximum current is expected to last 3 hours or more. Two rules then set the minimum:
- Breaker rating (210.20(A)): not less than the noncontinuous load plus 125% of the continuous load.
- Round up to the next standard rating in Table 240.6(A): 15, 20, 25, 30, 35, 40, 45, 50, 60, 70, 80, 90, 100 A and up.
- Conductor (210.19(A)(1)): ampacity not less than the noncontinuous load plus 125% of the continuous load. This calculator also requires the wire to carry the full breaker rating, and it applies the 240.4(D) caps on 14, 12 and 10 AWG.
- Column (110.14(C)(1)): on circuits of 100 A or less, ampacity is read from the 60°C column unless the equipment is listed for higher-rated conductors; above 100 A, the 75°C column.
Worked example: a 16 A load that runs for hours. 1.25 × 16 = 20 A, which is itself a standard rating, so the breaker is 20 A. In the 60°C copper column, 14 AWG carries 15 A (too small) and 12 AWG carries 20 A; 240.4(D) allows 12 AWG copper on a breaker up to 20 A. Result: 20 A breaker, 12 AWG copper. The load uses 80% of the breaker, which is the same rule seen from the other side.
The NEC Rules Behind the Result
All section numbers below are from the 2023 edition of NFPA 70.
- 210.20(A), breaker rating: not less than the noncontinuous load plus 125% of the continuous load. Exception: where the assembly, including its overcurrent devices, is listed for operation at 100% of its rating, the sum of the loads is enough.
- 210.19(A)(1), conductor ampacity: not less than the noncontinuous load plus 125% of the continuous load, and the conductors must comply with 110.14(C) at the equipment terminations.
- 240.4(D), small conductors: unless another section specifically permits it, overcurrent protection may not exceed 15 A for 14 AWG copper, 20 A for 12 AWG copper, 30 A for 10 AWG copper, 15 A for 12 AWG aluminum or copper-clad aluminum, and 25 A for 10 AWG aluminum or copper-clad aluminum.
- Table 240.6(A): standard breaker ratings.
- Table 310.16: ampacities for not more than three current-carrying conductors in a raceway, cable or earth at a 30°C (86°F) ambient. The rows this page uses most:
A 14 AWG copper conductor is listed at 20 A in the 75°C column, but 240.4(D) still limits its breaker to 15 A. That cap, not the table, is why 14 AWG goes on 15 A circuits.
Published Example: Eaton's Feeder Table
Eaton's application paper on 100%-rated breakers (AP01200008E, January 2026) works the same 210.20(A) formula on larger circuits. Feeder #1 carries 200 A noncontinuous and 400 A continuous: 200 + 1.25 × 400 = 700 A, met by a 700 A trip. Feeder #2 carries 800 A continuous: 1.25 × 800 = 1,000 A. With an assembly listed for 100% operation, the same feeders need only 200 + 400 = 600 A and 800 A. The calculator reproduces all four ratings; at those currents it reports that a single conductor per phase is not enough, since feeders that size use parallel sets designed by an engineer.
Breaker and Wire Size for Common Loads
Whether a load counts as continuous is decided by the code article for that equipment and by the inspector. Electric vehicle charging is treated as a continuous load (U.S. Department of Energy). The 48 A charger rows show the effect of the termination rule: 6 AWG copper is enough only where the breaker, charger and wire are all rated for 75°C. Equipment instructions often name a larger breaker than the minimum; a larger breaker is fine as long as the wire is sized for it.
Common Mistakes When Sizing a Breaker
- Sizing for the load without the 125%. A 16 A continuous load on a 15 A breaker breaks the rule even before it trips; 16 A continuous needs 20 A.
- Upsizing the breaker to stop nuisance trips. Putting a 20 A breaker on 14 AWG copper exceeds 240.4(D). The breaker protects the wire, so it can only be as large as the wire allows.
- Reading the 90°C column for a 15 to 100 A circuit. THHN is 90°C wire, but the terminals on most breakers and devices limit the usable ampacity to the 60°C or 75°C value.
- Using copper sizes for aluminum. Aluminum needs about one size larger: 16 A continuous needs 10 AWG aluminum, not 12.
- Assuming household loads are always continuous, or never are. Water heaters, EV chargers and fixed heating are often treated as continuous; a toaster is not.
What This Calculator Does Not Check
- Voltage drop. A long run can need larger wire than the ampacity table. Check it separately with the wire gauge calculator.
- Derating. More than three current-carrying conductors together, or a hot ambient such as an attic, reduces ampacity (310.15). The table values here assume neither.
- Terminal and equipment ratings beyond the default column. If any termination is rated lower than the column you pick, the lower rating governs.
- Motors, air conditioners and heat pumps. These follow their own articles and nameplate maximum breaker sizes, which can exceed the wire ampacity on purpose.
- Exceptions that allow a smaller conductor (such as the next-size-up rule in 240.4(B)), three-phase loads entered in watts, feeders, services, and local amendments.
Frequently Asked Questions
What size breaker do I need for 12 gauge wire?
For 12 AWG copper, the breaker can be no larger than 20 A under 240.4(D) of the 2023 NEC. With a continuous load, the load on that 20 A breaker should stay at or below 16 A.
Can I put a 20 amp breaker on 14 gauge wire?
No. 240.4(D) limits 14 AWG copper to 15 A overcurrent protection, even though Table 310.16 lists a higher ampacity in the 75°C and 90°C columns. A 20 A breaker needs at least 12 AWG copper.
What is the 80% rule for circuit breakers?
It is the 125% rule seen from the load side. A standard breaker must be rated at least 125% of the continuous load, so a continuous load can use 80% of the rating: 16 A on a 20 A breaker, 24 A on 30 A, 32 A on 40 A.
What counts as a continuous load?
The NEC defines it as a load whose maximum current is expected to continue for 3 hours or more. EV charging is treated as continuous, and many fixed heating and water-heating loads are sized the same way.
What size breaker for a 48 amp EV charger?
1.25 × 48 = 60 A, so a 60 A breaker. In the 60°C copper column that needs 4 AWG; 6 AWG copper (65 A at 75°C) works only where the breaker, charger and wire are all rated for 75°C. The charger’s installation manual may specify the breaker.
Can I use a bigger breaker than the calculator shows?
Only if the wire is sized for it. The breaker protects the conductor, so a 30 A breaker needs wire rated for 30 A and allowed on 30 A by 240.4(D), such as 10 AWG copper. Equipment nameplates can also set a maximum breaker size.
Do I need a permit to add a circuit?
In most U.S. jurisdictions, yes: a new circuit usually needs an electrical permit and an inspection, and some places allow only licensed electricians to do the work. Check with your city or county building department.
How to Use This Calculator
- Enter the continuous load — the current (or watts) of anything that runs 3 hours or more at a time.
- Enter any noncontinuous load — other loads on the same circuit that run for shorter periods.
- Choose amps or watts, and the voltage — watts are divided by the voltage for single-phase circuits.
- Pick the material, column and breaker type — leave the column on the 110.14(C)(1) setting unless every termination is rated 75°C.
- Read the breaker and wire — then check voltage drop and derating, and have a licensed electrician confirm the design.
📚 Sources & References- [1] NFPA 70, National Electrical Code, 2023 edition: 210.19(A)(1), 210.20(A), 240.4(D), Table 240.6(A), 110.14(C)(1), Table 310.16. 2023 text as reproduced in NFPA’s public NEC 2026-cycle committee reports (CMP-2, CMP-6 and CMP-10 first drafts, January 2024; CMP-10 second draft, late 2024; CMP-1 public input responses); accessed October 2026. docinfofiles.nfpa.org
- [2] NFPA. NEC Code-Making Panel 6 first draft report, January 2024 (Table 310.16 ampacities); accessed October 2026. docinfofiles.nfpa.org
- [3] NFPA. NEC Code-Making Panel 10 second draft report, 2024 (240.4(D) small conductors); accessed October 2026. docinfofiles.nfpa.org
- [4] Eaton. Application Paper AP01200008E, 100%-rated molded case circuit breakers, Table 2 (January 2026). www.eaton.com
- [5] U.S. Department of Energy, Alternative Fuels Data Center. Charging Electric Vehicles at Home (EV charging as a continuous load); accessed October 2026. afdc.energy.gov
- [6] Lofland, K. Continuous loads, Focus on the Code. IAEI Magazine, November 2012 (Article 100 definition of continuous load). iaeimagazine.org
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