If I'm looking at the two current waveforms, and I want to know how much instantaneous current is flowing on the neutral at a given point in time, do I need to use phasor math or can I just use simple subtraction?
Or, for a more practical take on the question: If I'm hooking up unbalanced loads or sources to a split-phase system, based on maximum nameplate currents of the equipment, do I need to know any phasor math to size my conductors correctly? Or can I do it with elementary-school-level addition and subtraction?