48 A EV charger on a 100 A panel
with a heat pump in the house
A heat pump house peaking at 67 A in January. A certified energy management system let a full-speed 48 A charger go in without a service upgrade.
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Twelve months of Toronto Hydro data showed the house peaking at 67 A on a cold January night: a heat pump with a 10 kW backup coil. With the Code's 1.25 factor the house calculates to 84 A, so a 48 A charger added at full rating comes to 132 A on a 100 A service. The charger's app offered load management, but in Canada that is listed as monitoring equipment, not a certified energy management system, so an inspector cannot rely on it.
- Certified energy management system (UL 3141) installed between the panel and the charger, watching the whole service with current transformers
- Set for this house: 100 A service, 48 A charger, charger paused if the house climbs past 80 A, then back on after a set delay. If the controller fails, the charger stays off
- Charger hardwired at 48 A on #6 copper and a 60 A breaker, fed through the wall to the driveway
- ESA permit, inspection and an engineering load assessment on file
Modelled on the real year of data, the charger would have paused in 23 of 3,285 overnight hours. Every other hour it charges at the full 48 A. No service upgrade, no new panel.
The numbers, by the Code method
Measured peak, the 1.25 factor, then the charger added at its full rating.
100 A panel, 48 A charger, no upgrade
48 A EV charger on a 100 A panel



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