The recommended wattage points you toward a class of generator, and each class carries its own sizing habits. Matching the two avoids buying a unit that is technically large enough but wrong for the job.
Small portables (3,000–5,000 W). Sized from a short essentials list — fridge, lights, a furnace blower, and charging. Their surge headroom is modest, so pick loads with care and avoid starting two motors at once. A 1.5× mixed factor is usually right here.
Large portables (6,000–9,000 W). The workhorse range for gas-heated homes that also want a well pump or a window air conditioner. At this size the 80% derate and a 2× motor factor typically govern, so verify both the running and starting ratings on the label.
Standby generators (10,000 W and up). Sized from the whole connected load rather than a hand-picked subset, because an automatic transfer switch may energize entire panels. Two extra factors apply: natural gas and propane cut output about 10% below the gasoline rating, and the National Electrical Code requires the generator to safely serve the calculated load. This is where a formal house electrical load calculation — general lighting at 3 VA per square foot, appliance and motor circuits, and the largest-motor 125% rule — replaces back-of-envelope math.
Three-phase and commercial. Larger buildings use three-phase generators where kVA, not kW, is the headline number and power factor matters even more. The 0.8 power-factor assumption still holds, but balancing load across phases and accounting for the largest motor's inrush on a single phase become part of the sizing. For most homes, single-phase 120/240 V sizing as shown above is all you need.
One more sizing nuance separates the generator classes: step load, or how much load a generator can accept in a single instant without its voltage and frequency dipping out of tolerance. A large standby unit can swallow a big motor start in one step, while a small portable running near its limit may sag when the compressor hits. This is why sizing with genuine surge headroom — the 20% the 80% derate leaves free, plus a correct surge factor — matters even when the average load looks comfortable. If your loads are dominated by a single hard-starting motor, either size the generator so that motor's inrush is a small fraction of capacity, or fit the appliance with a soft-start device to flatten the step. The calculator's surge-factor and derate outputs together tell you whether your biggest motor will start cleanly or bog the engine down.