The CC fit calculator tells us that I need a 60cm seat tube with an effective TT length of 560mm to 564mm. My wife needs a 54cm seat tube with an effective TT of 524mm to 528mm.
Any suggestions?
You'll need to use short stem located higher than saddle top to attain suggested reach. This works out pretty good on a SLHT/SDT - the longer HT is helpful, and no one will think it odd to see a touring bike with the handlebar 2-8cm higher than the saddle. You can either go short, low angle stem with lots of steerer tube+spacers, or a longer, steep angled stem and much shorter steerer - or any combination in between.
I have a 56 SDT with a 57cm ETT. With my 83cm PBH and other physical dimensions, the CC fit calculator (and others) suggested a 55.5 ST + 54.0 ETT. I currently use a -5d/80mm stem with bar 7cm above saddle to achieve a (recommended) 64cm reach. It's very comfortable, I could go longer.
You can make a fairly wide range of touring frame sizes fit a person with the right stem and handlebar height - not so much with road bikes constrained to typical low handlebar postion. Remember, hbar/reach recedes 1cm for every 3cm of height increase for a 71-72d HTS.
Attached below is a BikeCAD model I made to size my SDT. It's not completely accurate to the specs stated above, as I decided to start with very high bar to delay committing to a steerer length (don't want to buy a second fork). If you like, you can use BikeCAD's free java CAD software to modify my SDT design to your own custom size. You'll need to edit TT, ST & HT length, saddle height, spacers, and stem angle/length. The free version calculates the newer reach/stack for fit calculation, included in my design. The pay version of BikeCAD additionally calculates conventional reach (saddle-hbar), toe overlap, wheelbase, etc. Even designs and prints templates for frame building miters - pretty neat.
http://www.bikecad.ca/1358372925946