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Help determine current usage of my electrical panel and available capacity to add new equipments

I am a new townhouse owner and and hoping to get some help from experts here to understand my breaker panel, specifically

  1. What is the total amperage service to my unit.
  2. How much capacity is currently used by breakers already installed and how much is free.
  3. Can I add an air-handler and / or a tank water heater to it without upgrading? What is the general process by which I can determine this for any device? What is the key piece of information that determines this?

I did talk to couple of contractors but didn’t get satisfactory answer.I tried to read about it over the internet but I have failed to apply those learnings to my situation.

I have attached pictures of my panel and main panel.

Panel

Panel door

Main breaker

Edit: Adding some more details:

Better image of the panel

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enter image description here

Other details:
1600 Sq feet livable area (1900 including basement)
Cooking on gas all other appliances electric
Currently have 3 ton gas furnace and 3 ton AC

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