Using the guide posted in the tips and tactics section: 

The "true ability" of your gunners for reload right now is

(4 * 117 + 510) * (668 / 668) * 1800 = 1,760,400 

(4 * 112 + 507) * (668 / 668) * 1800 = 1,719,000

According to the same guide, reload is capped at around 2 million true ability.

2,000,000  / (4 * 117 + 510) * (668 / 668) = 2044.9 -> 2045

2,000,000 / (4 * 112 + 507) * (668 / 668)  =  2094.2 -> 2093

Since your gunners are receiving 18 reload per level up, you need
(2044 - 1800) / 18 = 13.5 -> 14 more lvel ups to hit the reload cap
(2094 - 1800) / 18 = 16.3 -> 17 more level ups to hit the reload cap.

So at level 96 + 14 = 110 the first gunner will hit reload cap.
So at level 96 + 17 = 113 the second gunner will hit reload cap.

This is assuming that the number of experts and vets do not change and reload cap is at  2 million true ability exactly. 

2 million is outdated, now it's 2,5mil -2,7mil for guns.

2,500,000  / (4 * 117 + 510) * (668 / 668) = 2556.2 -> 2557

2,500,000 / (4 * 112 + 507) * (668 / 668)  =  2617.8 -> 2618

Since your gunners are receiving 18 reload per level up, you need 
(2557- 1800) / 18 = 42.05 -> 43 more lvel ups to hit the reload cap
(2618- 1800) / 18 = 45.4-> 46 more level ups to hit the reload cap.

Your gunners are never going to hit the reload cap without 150+ vets ( (4 * 150 + 510) * 2232 = 2,477,520)

Remember at lvl 120, he will likely have 758 sailors on it and depending when he classed his chief DP, he would get over than that.

im selling it!!! (hope some one will buy it lol).. more ill lvl new one and going to delay class it...