Very often the setting on the heater seems to have very little with what the actual temperature of the tank is. The heater settings are usually relative, not absolute. I.e. if you want the tank warmer, you turn up the heater; if you want cooler, turn down. But, every heater I've ever had has never been within more than about 5 degrees F in terms of what the thermometer read versus the setting the heater is on. Quite simply, the heaters are made cheaply and aren't designed and tested for very accurate temperature control compared to their settings. The manufacturer assumes that you will have a thermometer and adjust the heater settings in response the the temperature the thermometer reads.