Money applies your estimated monthly spending on a credit card account to all future months in your debt reduction plan. When you enter your estimated spending, you tell Money how much you're planning to spend on that account each month, starting after the current month.
For debt reduction planning, Money always assumes that you will pay off your future spending in full. For example, if your monthly payment to pay off a credit card in a certain period of time would be $50, and you also plan to spend $100 on that credit card per month, your total monthly payment would be $150. If your current balance is less than your estimated monthly spending for that account, Money assumes that you will pay off your current balance in full.