Hypothetical example: Your baseline has $250 remaining each month. You want to test putting another $150 towards debt.
- Duplicate the baseline scenario.
- Name it “Extra $150 to debt”.
- Set the scenario's extra debt payment to $150.
- Open Projections and compare the debt-free date and projected interest.
The calculator adds the extra amount to the snowball and carries released payments to the next debt.
Keep it honest: Leave $100 of the original $250 uncommitted if that is the breathing room real life needs. A faster projection is not useful if the monthly plan is too brittle to follow.