NEC 310.16, 310.15, 110.14(C)6 min read

Worked Example: NEC Wire Size for a 65 A Load at 40 °C with Six Current-Carrying Conductors

Why the same 65 A load that needs #6 AWG in normal conditions needs #4 AWG when it is hot and bundled — and how the 90 °C column and the 75 °C terminals interact.

Scenario

Load65 A continuous design current (after any 125% factor)
ConductorCopper THHN/THWN-2, 90 °C insulation
TerminalsRated 75 °C
Ambient40 °C
Current-carrying conductors in the raceway6

Step-by-step calculation

Step 1: Find the correction and adjustment factors

Because the insulation is rated 90 °C, the factors are taken from the 90 °C column.

Ambient correction (310.15(B)), 36–40 °C, 90 °C column = 0.91 Adjustment for 4–6 conductors (310.15(C)(1)) = 0.80
Combined factor = 0.91 × 0.80 = 0.728

Step 2: Try #6 AWG

Adjusted ampacity = 75 A (90 °C column) × 0.728
54.6 A — less than 65 A, so #6 fails

Step 3: Try #4 AWG

Adjusted ampacity = 95 A × 0.728 = 69.2 A Terminal limit (75 °C column) = 85 A
Usable ampacity = lower of 69.2 A and 85 A = 69.2 A ≥ 65 A, so #4 passes

Result summary

CheckRequirementActualStatus
#6 AWG Cu≥ 65 A54.6 A✗ FAIL
#4 AWG Cu≥ 65 A69.2 A✓ PASS
Use #4 AWG copper. In normal conditions (30 °C, three conductors) #6 AWG at 65 A would be enough, but heat and bundling remove more than a quarter of its ampacity.

Key insight: The 90 °C column gives head-room for derating, but the final value can never exceed the 75 °C terminal rating. Here derating governs (69.2 A < 85 A); in a cool, lightly filled raceway the terminal rating would govern instead.

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Frequently asked questions

Does the neutral count as a current-carrying conductor?

Only in some cases. A neutral carrying only the unbalanced current of a 3-phase 4-wire circuit is not counted, but it is counted when the major part of the load is non-linear (310.15(E)).

Can I use the 90 °C ampacity if my breaker is rated 75 °C?

Only as the starting point for correction and adjustment. The final ampacity used with that breaker is limited to the 75 °C column value (110.14(C)).

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