Transformer Loading % Formula

How to calculate transformer loading percentage and check for overloading.

The Formula

Apparent Load (kVA) = Active Load (kW) ÷ Power Factor Loading % = (Apparent Load ÷ Transformer Rating) × 100%

Example

500 kVA transformer, 320 kW load, PF = 0.85:

Apparent Load = 320 ÷ 0.85 = 376.5 kVA Loading % = (376.5 ÷ 500) × 100 = 75.3% ← Optimal range

Loading Ranges

Loading %StatusAction
< 40%UnderloadedConsider right-sizing
40–85%OptimalNormal operation
85–100%HighPlan capacity expansion
> 100%OverloadedImmediate action needed