I'll get the information tomorrow morning. I think there are two ways to do it per the NEC. Basically you add using volt/amperes as a unit. Add the lighting based on square footage of the house 3V/A's per square foot, add fixed in place appliances, two 20 amp receptacle circuits for the kitchen, your heating/cooling load which ever is higher, 220v water heater, 220v stove and you get an actual near worst case load. By near I mean that you could purposely go around the house and turn everything on, plug everything you own in and turn it on and come up with a higher value, but that is not a normal condition. It is very different than a commercial / industrial building where everything is hard wired and could be running at a peaked out.
I'll get the formula in the morning. It took me several reads to get it to sink in...but it makes perfect sense.
Added 04/22/2009
Basically you will be adding up the watts of actual values or an average that the NEC has come up with. The unit that they call Volt-Amperes or VA’s is more commonly refered to as watts or volts times amps.
Lighting Load = (Outside Dimensions of you Building on that service) L X W X 3 VA's.
Plus
3000 VA's for Small Appliance (Kitchen) - Minimum 2 or how many you have, 1500 VA’s each.
Plus
1500 VA's for Laundry Circuit.
Plus
Larger of the Heating/Air Conditioning Load in Watts (VA's) or if you don’t have a A/C, you can use the actual tag rating from the appliance. If you can’t find the tag, figure 1500 VA’s.
Plus
Fastened in place appliances the sum of (Dishwasher, Electric Range and or Wall Mounted Oven, Disposer, Trash Compactor, Attic Fan, Electric Water Heater) then multiply by (.75)
Plus
Electric Clothes Dryer 5000 VA’s if you have one, otherwise the Laundry Circuit take into consideration of the motor of a gas-fired clothes dryer.
For the first 8000 VA’s, figure them at 100% of the 8000 VA’s and the for the remainder, multiply by 40% and add that to the first 8000 VA’s.
Sum and Product from above and divide by the voltage and this is the calculated load demand to size your service meter panel and the conductors to service said panel.
Example of a 2000 Sq Ft House with two small appliance circuits in the kitchen, no A/C and mostly Gas Fired Appliances
Lighting (2000 x 3 = 6000 VA’s)
Two Small Appliance Circuits (1500 X 2 = 3000 VA’s)
Laundry Circuit (1500 VA’s)
Forced Air Furnace (1500 VA’s)
Fix in Place Appliances (Disposer 746 watts, Trash Compactor 400 watts, Dishwasher 1200 watts) (2346 VA’s X .75 = 1643 VA’s)
6000 + 3000 + 1500 + 1500 + 1643 = 13643 VA’s
(13643 – 8000 = 5643) x .40 = 2257
8000 + 2257 = 10257
10257 / 120 = 85 amps of calculated load.
Also note that your 240 Volt 100 Amp Panel has a combined capacity of 200 Amps ( two 120 Volt Lines at 120 volts each. So if the loads are balanced each line would only see 43 amps.