The calculator uses a debt snowball. Debts are ordered from the smallest balance to the largest balance.
Each debt keeps its regular payment. The scenario's available monthly surplus and any extra debt payment go to the first debt. When that debt is cleared, the money it was receiving carries to the next one.
This can create visible progress quickly, but it is not always the method that produces the lowest possible interest.
Worth knowing: The calculator shows one consistent strategy so you can compare scenarios. If choosing a repayment method has serious consequences for you, consider qualified financial advice.