For the 120 volt loads, you don’t add up all of the loads to calculate the load on the neutral.
For example, if you have loads of 4, 5, 5, 6, 7, and 8 amps for the 120 volt appliances, the total is 35 amps, but the neutral should not see 35 amps.
You want to balance the loads as evenly as possible.
So, a perfect balance would be 17.5 amps on one hot leg and 17.5 amps on the other hot leg.
The closest you can get is to put 5, 5, and 7 (17 amps) on one leg and 4, 6 and 8 (18 amps) on the other leg.
Since the 120 volt loads are distributed across the two hot legs, the additional load on the 240 volt circuit breaker is 18 amps and not the 35 amps total that the 120 volt loads add up to.
So, the most current the neutral should see is 18 amps if you turn on all 120 volt appliances on the one leg with 18 amps.
If you turn on any appliance on the other leg, the current does not add to the current on the neutral, it subtracts from the current.
If you have 18 amps on one leg and turn on the 7 amp appliance on the other leg, the current in the neutral goes down to 11 amps.
This is because the current is more balanced from one hot to the other.
The 120 volt appliance loads that are balanced work like putting (2) 120 volt appliances in series and running them on 240 volts.
When the electrician is wiring the panel, make sure that the 120 volt loads are evenly distributed on both hot legs.
In the example pictured below, the neutrals are carrying 5 amps between the loads on different legs, so the return neutral only has to carry 2 amps back to the main panel.
If the loads are exactly balanced, you don’t even need the return neutral at all.
In the second picture, there are (2) 120 volt 7 amp loads that are both connected together via the neutral wires connecting together on the neutral bar.
In that case, the main neutral to the panel carries no current and you could even disconnect the main neutral and the system would work just fine.
There are specific calculations to determine the current on the neutral, so be sure to follow all rules.
Another thing to consider is if you want any extra capacity for unexpected additions.
For example, maybe the builder decides to go with regular IntelliFlo VSF pumps and they require 16 amps.
If you have 3 pumps, that is 48 amps and that is 80% of the 60 amp breaker, which is the limit for design.
However, that’s assuming that you will run all 3 pumps at full speed at the same time.
Going to a 100 amp design gives you a little bit of spare capacity to handle unanticipated load requirements.
