Debt Amount: The total debt that the user owes.

Annual Interest Rate: The interest rate on the debt, applied monthly.

Monthly Payment: The base monthly payment the user is willing to make.

Additional Payment: Any additional payment that can be made to accelerate the debt payoff (optional).

Total Monthly Payment: The sum of the base monthly payment and any additional payment.

Months to Pay Off Debt: The total number of months required to pay off the debt.

Total Interest Paid: The total interest paid over the repayment period.

Interest Calculations: Each month, the remaining debt accrues interest based on the monthly interest rate.

Monthly Payments: Users pay down the debt using a combination of their fixed monthly payment and any extra payment they decide to make.

Payoff Time: The calculator runs a loop where, each month, the interest is added to the remaining debt, the payment is subtracted, and the process continues until the debt is paid off.

Results: It shows how many months it will take to pay off the debt, the total interest paid over that time, and the total amount paid.