| What you are comparing | In this illustration |
|---|---|
| Assumed debt at the start | $20,000 |
| Already paid | $6,000 |
| Still owed on the other account | $12,000 |
| Difference before fees, other costs and tax | $2,000 |
$6,000 paid + $12,000 still owed = $18,000
Read both accounts together
The first account is resolved, but the household still has another $12,000 balance. Adding that balance to the $6,000 already paid gives $18,000. Against the assumed $20,000 comparison, the difference is $2,000 before additional costs.
Write provider fees, account charges, legal expenses and tax on their own lines. An amount not estimated must stay unknown. Use the same comparison date for both paths; a real unpaid balance may change over time.
This is a saved illustration with stated assumptions, not an offer or prediction for your circumstances. The full calculation and original limitations are in the optional archive.
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