IMO no PSU calculator can be anywhere near accurate.
The reason is that a 400W PSU is not the same as a 400W PSU, which is not the same as a 400W PSU or a 400W PSU.
WTF?
Okay, lemme explain.
Let's say you have four 400W PSUs (just for simplicity).
#1 is a unit capable of putting out combined and sustained 24A on +12v at 50ºC. It is rated at 400W.
#2 is a unit capable of putting out combined and sustained 30A on +12v at 50ºC. It is rated at 400W.
#3 is a unit capable of putting out combined and sustained 30A on +12v at 25ºC. It is rated at 400W.
#4 is a cheap unit with a label that claims 400W output.
Do all four PSUs put out the same power? Yes (maybe). Can all four run YOUR heavily loaded system? Some can and some cannot.
#1 may be better off running an older system that doesn't rely as much on +12v.
#2 is suitable for a modern system that is +12v heavy.
#3 should be considered more of a 300W (or so) unit, because of something called "de-rating." The thing is that in actual use, a PSU runs closer to 50ºC. The output of a PSU drops as it heats up, therefore one rated at 400W at 25ºC will be putting out much less inside a real system due to higher temperatures than at which it was rated.
#4... who knows how much power it can really put out. On super low end units with random "brands" sometimes the label has numbers pulled out of a hat.
If an online PSU calculator says you need 400W of power, which one is it talking about?