Nobody adds up your instalment plans for you. This does.
Enter the payment amount and how many payments are left for each active plan. The calculator adds them into a single outstanding total, estimates the monthly load while every plan is running, and shows how far away the last payment is.
This is the arithmetic that no provider performs, because each one only shows you its own schedule. Seeing the sum in one place is the entire point: it is the difference between four small payments and the real debt they add up to.