This is an estimate, not an electrician
Real load calculations follow NEC Article 220 and account for demand factors, square footage, and which loads run simultaneously. This tool uses a conservative simplification. Always have a licensed electrician do the official load calculation before buying — but this tells you which conversation you're walking into.
If the numbers don't fit, you have two outs before a $1,500–$3,000 panel upgrade: a lower-amperage charger (40 A is plenty overnight), or a charger with dynamic load management like theEmporia Pro, which charges at full speed only when the house has headroom.