Hypothetical example: You have $300 remaining each month. One scenario sends all $300 to debt. Another contributes $100 to savings or investment and leaves $200 for the debt snowball.
Compare the debt-free date, projected interest, savings and monthly resilience.
The trade-off
Sending everything to debt may clear it sooner. Keeping some savings may reduce the chance that the next unexpected cost goes back onto debt.
The calculator can show the numerical difference, but not your need for safety or the terms of each debt. High-cost or urgent debt may require qualified help.