NEC Table 310.16 lists the current a conductor may carry with no more than three current-carrying conductors in a raceway or cable at 30 °C. Every size has a 60 °C, 75 °C and 90 °C column, and which one you may use depends on the insulation, the wiring method and the weakest termination. The calculator applies them in that order.
Derate from 90 °C, stop at the terminals
Correction for a hot attic or a crowded conduit starts from the insulation’s own column (90 °C for THHN), so the derating has some headroom. The result is then capped at the column of the terminations, which 110.14(C) sets at 60 °C for circuits of 100 A or less unless the equipment is marked 75 °C (most breakers and lugs today are marked 60/75 °C).
Example: nine 12 AWG THHN in one conduit in a 40 °C space: 30 A × 0.91 × 0.70 = 19.1 A, below the 25 A terminal limit, so 19.1 A it is: a 15 A breaker, or 20 A only where the 240.4(B) next-size-up rule applies.
allowable = min( 310.16[insulation °C] × ambient factor × bundling factor , 310.16[terminal °C] )
Small-conductor caps
240.4(D) caps the breaker on small copper no matter what the table says: 14 AWG 15 A, 12 AWG 20 A, 10 AWG 30 A (and 12 AWG aluminum 15 A, 10 AWG aluminum 25 A).
240.4(B) lets a conductor whose ampacity is not a standard breaker size take the next size up, up to 800 A, except on multi-outlet receptacle circuits: 6 AWG NM-B (55 A) may go on a 60 A breaker.
NEC 2026
The 2026 edition adds rows for 16 AWG copper and 14 AWG copper-clad aluminum to Table 310.16 (310.5(A) lowers the minimum sizes) and moves the load calculations from Article 220 to Article 120. Building-wire ampacities are unchanged; this site cites NEC 2023, the edition most jurisdictions enforce.
Worked example: a 40 A circuit through a hot attic
8 AWG THHN copper is 55 A at 90 °C. In a 50 °C attic the ambient factor for the 90 °C column is 0.82, so it carries 45.1 A, still under its 50 A terminal limit: the allowable is 45.1 A and a 40 A breaker is fine. The same 8 AWG as NM-B starts from the same 55 A for derating but is capped at the 60 °C column, 40 A. Run more than three current-carrying conductors through the same attic and the bundling factor stacks on top.