One uses the Langelier Saturation Index (or the equivalent Calcite or Calcium Carbonate Saturation Index). See below for more info.
Borates contribute a negligible amount to TA. At a pH of 7.5, 50 ppm Borates contributes 5.7 ppm TA so figure an 11% contribution to TA.
There are many online calculators, some that are good and some that are not, but I believe that Michael Smith's BleachCalc calculates the saturation index. It is a function of pH, TA, CH, TDS and temperature. When the index is near 0, your pool is at saturation for calcium carbonate. Negative numbers indicate risk of dissolving plaster/gunite/grout but only when it's quite negative -- don't even think of worrying until it gets to -0.5. Positive numbers indicate risk of scaling or precipitating calcium carbonate (including cloudiness). Again, don't even think of worrying until it gets to at least +0.5 and realize that most pools don't see any effect until at least +0.7 and some until +1.0 or more.
For a non-salt pool (i.e. a TDS around 500-1000), an ideal saturation (0.0) occurs at a pH of 7.5, TA of 100, CYA of 40, CH of 300, and temp of 80F. These are the mid-point values for the recommended ranges from NSPI. The pH directly affects the index so a 0.1 change in pH changes the index by 0.1 in the same direction. The TA and CH affect the index logarithmically so a change in adjusted TA (that is, TA reduced by one-third the CYA at a pH of 7.5) or CH by a factor of 10^0.1 = 1.26 changes the index by 0.1 in the same direction. The variation with temperature is small -- index increases by about 0.1 with a 10F temperature increase. The Langelier index, or at least the approximation used by the pool industry, has the index change by -0.08 when going from 525 to 3200 TDS (i.e. from non-salt to salt pool) while my calculations show that calcium carbonate saturation really changes by -0.22 instead. The temperature and especially the TDS calculations in the traditional industry formula are the least accurate portions of that formula. My calculations track the Taylor Watergram so if you have a Taylor K-2006 test kit then you can just use the watergram (using adjusted TA) to get an accurate index.
Richard


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