Contributions reduce take-home pay but employer match is free money — almost always beats debt payoff. Leave blank if not applicable.
Example: Employer matches 100% up to 6% of salary → set match% to 6, cap to 6, ratio to 100%. If you contribute less than 6%, you'll get a warning.
Rent, utilities, subscriptions — anything that hits monthly regardless of debt strategy.
Average monthly: food, gas, entertainment, etc. Single number is fine.
For promo rates (0% intro APR cards, etc), set the promo rate and end date; the post-promo rate kicks in after.
Used to recommend whether to pay off each debt aggressively or invest the surplus instead. Historical S&P 500 average is ~10% nominal / ~7% real (after inflation).
Specific targets like down payment, emergency fund, or vacation. These get funded before discretionary investing. Order matters — higher in the list = funded first.