This paper presents a technique for computing loading capabilities for 55 degree C and 65 degree C rise radial power transformers by taking advantage of each transformer's daily and seasonal load and ambient temperature fluctuations. Through study of actual daily load and ambient temperature characteristics, historical seasonal ambient temperature patterns, and relationship of transformer load to ambient temperature, a modeling technique for daily and seasonal load and ambient temperature variations is developed. The technique is verified through comparison to an actual season's load and ambient temperature experience.