125 Amp Panel Max Load

Hi all need some help checking my thinking i can t find my formulas.
125 amp panel max load. And you can simply round up to the next higher size of the breaker. Did i do math correct to say panel is overloaded. The likely maximum load on that circuit could reach 1 800 watts putting it right at the maximum that a 15 amp circuit providing 1 800 watts could handle.
For example a 20 amp 120 volt branch circuit has a total capacity of 2 400 watts 20 amps x 120 volts. Often the result is not a common circuit breaker size. Yes the neutral and ground are not separated and isolated and yes one.
If an appliance attached to a 120v energy source requires 1200 watts to run it will automatically pull 10 amps of current through the line. Feeder circuits supplying subpanels are 240 volt and require a double pole circuit breaker. To convert watts into the actual connected load as amps the formula is.
The inspector will most likely want to see load information for the electrical service panel. Add the amperages of all the individual breakers in the box. But if you put a single 100 watt lightbulb in the bathroom light fixture you create a situation where a tripped circuit breaker is likely.
For example a 100 amp service panel may have circuit breakers that add up to more than 200 amps. Watts divided by volts equal amps. This means that 125 amperes can flow through each of the upper bus bars and each main lug without anything melting or catching fire.
If the most downstream 100 amp panel is to be used to it maximum then nothing could be used in the intermediate 100 amp panel as the breaker protecting that intermediate 100 amp panel would trip. The load will be shown as watts on the nameplate label of the ev charger. The total may be more than twice the total amperage of the box.