The charger is the easy part. Capacity is the question worth answering first.
An EV charger is a large, sustained load, and it runs for hours rather than minutes. Whether your home can carry one depends on the size of the service, what else is already on it, and whether the panel has physical space for the breaker.
Those three things are independent. A panel can be physically full while the service has capacity to spare, and a service can be maxed out while the panel looks half empty.
The service has headroom and the panel has space. The job is a dedicated circuit, a conduit route and a tidy installation.
Where capacity is tight, a load management device can allow charging without a full service upgrade by limiting simultaneous demand.
If the calculation says the service genuinely cannot carry it, the honest answer is that the panel or service comes first and the charger follows.
Worth deciding now whether a second charger is likely. Running conduit and leaving capacity for a future stall during the first installation costs a fraction of doing it again later.
A 100 amp service was sized for a different era of appliances. If the charger is what tips it, the panel comes first.
Send a photo of the panel and tell us the vehicle. We will tell you which of the three outcomes you are looking at.
