Turn everything in the house on and get an ammeter on there.
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If each circuit only had 8-9 amps of load that would cut your load calculation for those circuits nearly in half.I did. I never saw the baseboard heaters in each room, or how the circuit was separated.
Unless this is heating/cooling a new space that wasn't conditioned before, reality is that it generally will impact the existing load. NEC don't necessarily see it that way unless you have interlocking methods to prevent operation of existing heating/cooling loads simultaneously, but I'd bet you seldom would have overloading issues unless you already had them before hand.The mini split 15000btu is a heat pump. think it will be a 215 breaker small load, snapped that photo, to a look at the panel door cover, saw I could add a tandem, and went on my way... then told the AC contractor there was room in the panel and a upgrade was not needed so he could sell his work. Then I second guessed the electrical service after I ran my mouth.