How the size is worked out
A bed quilt is the mattress plus the parts that hang over it. The drop is how far the quilt falls over each side and the foot: most quilters use 10–12″, and a deep or pillow-top mattress needs more. The pillow tuck is extra length at the head that tucks under and over the pillows; leave it at 0 if the quilt stops below them.
Width = mattress width + 2 × side drop.
Length = mattress length + foot drop + pillow tuck.
Measure your own mattress if you can: labels and countries differ, and the presets are only typical sizes. Quilting and washing shrink a quilt a little, so you can add a few inches for take-up.
Blocks, sashing and borders
The calculator takes the borders off the target, then fits whole blocks into what is left. Nearest picks the count closest to the target, At least never comes out smaller and At most never bigger. Sashing adds strips between blocks; with the outside option it also frames them. On point, each block takes up its diagonal, 1.414 times its side, and setting triangles fill the edges.
Worked example
A US queen mattress is 60 × 80″. With a 12″ drop and a 10″ pillow tuck the target is 84 × 102″. Borders of 2″ and 4″ take 12″ off each dimension, leaving 72 × 90″ for blocks: seven 10″ blocks across and nine down, 63 blocks, for a finished quilt of 82 × 102″.