I am looking for input on this subject as I cannot find any code guidance. I plan to install a subpanel in an apartment that is seriously lacking in terms of circuits and outlets. The main panel is 100 amp. It has 4 open slots...2 from a 2 pole breaker not being used....2 others that are simply open. I ran two 20 amp circuits from the panel to feed the kitchen and dining room as there were none there. I also plan to run a feeder using the 2 pole breaker slot not being used, to feed a main lug 50 amp sub panel. From there I will run three new 15 amp circuits to different areas to add much needed receptacle. I have to install one more 20 amp circuit to the apartment to feed an airconditioner. My questions is how can I determine what the limit would be in terms of circuits/ amperage draw on the subpanel? I am currently thinking that I do not want to exceed 80% of the 50 amps, but am also realizing that there is no 'continous load', so should I be concerned about having three 15 amp circuits and one 20 amp circuit in this sub panel or should I find a way to put the 20 amp circuit in the main panel?