Many SMP calculators stop at one headline number, which is not enough for payroll planning. The real workflow question is how the 39 week schedule behaves across time. BumpPay renders the first 6 weeks at 90 percent of average weekly earnings, then the next 33 weeks at the lower of the standard rate or 90 percent. That lets users inspect the payment pattern rather than trust a black box.
The first six weeks are often the easiest part to explain because the rule is comparatively direct. The later 33 weeks are where confusion sets in. Operators need to know when the standard rate becomes the limiting factor and how that changes the total. A week-by-week schedule makes that visible, especially when someone is checking whether the output lines up with a payroll forecast or a return-to-work discussion.
If a user wants the quick answer, the calculator summary provides it. If they need the operational answer, the schedule gives them a ledger-style view they can copy into payroll conversations. The right next step after reading the schedule is usually to export or copy the summary and then review the methodology page if any assumption still feels uncertain.