If you clear your closing balance every month you are charged nothing, and none of this applies to you. If you carry a balance, the minimum is designed to be affordable rather than to clear the debt. These show what that costs in years and in money, and which order to tackle multiple debts in.
The minimum payment calculator exists because the trap is not obvious. Your minimum is usually a percentage of the balance, so as the balance falls the payment falls with it. That keeps the debt alive far longer than most people expect, and the tool shows the real timeline against a fixed payment.
The debt payoff planner is for when there is more than one debt. It compares the avalanche method, which targets the highest interest rate and costs least, against the snowball method, which clears the smallest balance first and gives quicker wins. Both are shown with the actual month-by-month numbers, including what to pay on each debt.