Great discussion re EV charging. I have concluded that the circuit from the subpanel is not an option at 40amps because the feeder to the subpanel is #2 aluminum SER feeding through walls. Please comment on my conclusion. The terminations, etc., are 75 C (90 amp rating), but the SER was run through the walls. With insulation contact that wire has a 60 C, 75 amp rating. The breaker is 70 amps. The panel supplies general lighting/recepatacles to approximately 1,700 sqft (19 amp demand at 3VA/sqft), an air handler (assuming 6 amps at 1,500 watts), and a central vacuum (12 amps name plate). The 20 amp garage circuit is also on that panel - but my understanding is that that would not figure into the load calcaultions. By my calculations the total existing load is 37 amps. And that assumes that nobody plugs in a space heater or other high amp device. That only leave 33 amps for the EV charger. For sizing the EV circuit I was using 32 amps (on 40 amp breaker). But I should have been using 40 amps (125%). So by my calcs the max amperage for a charger on that panel is 24 amps (30 amp breaker). (One lesson - up size the wires when installing subpanels).