How to build a two-plan comparison

1. Enter only effective rates you can read or have measured.
2. Leave an unknown rate blank; the planner will label the subtotal instead of coercing it to zero.
3. Add capacity only if you know it for this scenario.
4. Copy current to proposed, then change the intended rows.
5. Review the rate difference and use the payback shortcut only if both totals are known.
6. Save locally or copy a share link; shared contents are not secret.

The optional optimizer is valid only under its displayed equal-slot, additive-income assumptions. It does not discover unentered fish or game mechanics.