When I change the balance of my debt, my real damage stays the same.
The calculation uses minimum payments based on paying off a percentage of the balance. For example, an amount of $75 with a apr of 15 and a balance of $1200 with the minimum payment calculated by “Interest + 1% Balance” gives a Real Damage value of $168.75. The same Real Damage value would be given if the balance were $1500. Whether you owe $1200 or $1500, the same number of payments would be required when you calculate “15% apr of balance” + “1% of balance”. However, variables such as minimum payment calculation, APR and additional payments would effect the resulting Real Damage.