Compare scenarios around the decision you are actually making, not every number on the page.
Look at four things
- How much money remains each month?
- Which assumptions changed?
- What happens to debt, savings and net position over time?
- What non-financial benefit or cost is missing from the calculator?
A scenario with less remaining money may still support a better life. A scenario with a larger projection may require assumptions you do not believe.
What to try next: Write one sentence below each scenario: “This works if...” That often reveals the real trade-off.