The Total Maximum Daily Load (TMDL) program is an integrated process of watershed assessment and management to address surface water quality impairment. The management of organic contaminants and nutrients is a primary concern in conserving surface water bodies. Watershed-scale pollutant loads simulation can assist stakeholders and watershed planners in making decisions on immediate and long-term land use schemes to improve water quality. However, the behavior of contaminants in a watershed needs to be characterized prior to such model applications. The objectives of this study were to characterize point and nonpoint pollutants runoff at a watershed scale and to develop a Pollutant Load Calculation Model (PLCM), which facilitates the estimation of pollutant delivery to a watershed outlet. The developed model was applied for the six sub-watersheds of the Saemangeum estuarine watershed in Korea, where a large tidal reclamation project has been underway. Two years stream flow and water quality data were used for the model calibration, while 1 year data were utilized for the model validation. The model calibration resulted in the R 2 values of 0.58, 0.53, and 0.35 for BOD, TN, and TP, respectively. Overall performance for the validation period was similar with that for the calibration period although the R 2 values were slightly decreased. The PLCM tends to substantially under or overestimate delivery pollutants loads during the summer rainy seasons when most rainfall events occur. This is probably because once-a-month-measured water quality data, which might not represent appropriately monthly water quality, particularly, for rainy seasons, were used for the loads calculation. Thus, more frequently monitored water quality data should be used for the delivery loads estimation at least for a rainy season in order to improve the PLCM performance. Nevertheless, the developed model took the pollutant reduction process into account, which is not allowed with the conventional unit loading method, and furthermore temporal variations of pollutant loads based on stream flows were also incorporated into the pollutant loads estimation. The developed PLCM can be a useful tool to assess pollutants delivery loads at a watershed scale and thus assist decision makers in developing watershed pollution management schemes.