A final most conservative way (which as
@Landshark says, is likely to fail) is to add all circuits together and make sure that is less than the amperage of the main breaker.
I may have been misinterpreted, as I did not say that any method of determining panel loading would be likely to fail. In fact, I made no suggestion at all on how to determine panel loading. I simply provided some information about the main-panel in our home and sub-panel in the pole barn. Had I made the “most conservative” suggestion as described above, I would not have said that it “is likely to fail”. Maybe “is” was a typo, however, I didn’t say that the method isn’t likely to fail either. To clarify what I said, the sub-panel in the pole barn is unlikely to become overloaded even though the sum of the individual breakers exceeds the rating of the main breaker. The same principle applies to the main panel in the house.
What is likely, is that the 10kVa transformer that services our home and one neighbor will fail this summer when we’re both running our air conditioners, etc, and I’m charging a car. Initially I had inquired with the power company about running a separate service to the pole barn from the power pole with the 10K transformer and was told that I would need to pay $6000 to upgrade to a 25K transformer. Our electrician advised bringing power from the house via underground conduit that was in place to service the old garage and he was able to pull wire for the 100A panel. Now, if the transformer fails, the power company will replace it at their cost. Which should be done anyway, as it is sub-standard, given that every other transformer is 25K and there is a push to electrify homes. They just won’t do it until it fails.
In actual use, all the loads will not be applied simultaneously or continuously. Kitchen appliances such as a microwave, toaster, garbage disposal or tea kettle are on for just a few minutes at a time. A dishwasher runs for about an hour and refrigerators cycle off and on. Our garbage disposal is on a dedicated circuit, however, it may only be in operation for 5 seconds once or twice a day. Our gas range and hood are on 15A circuit, but the fans in both draw less than 5A. In many cases 14ga wire and a 15A breaker is overkill. It’s just the default minimum that allows for a 1500w heater to be plugged in on just about any circuit.
Were I inclined to recommend a method for determining appropriate panel loading, it would be to implement the rare commodities of logic and common sense. I’d also caution against attempting to gain literacy on the subject through the use of AI generated sources, which are becoming more prevalent.