trying to project balance in my debt tracker (me again!)

So I built my tracker, it'll tell me how many months it will take to pay something off, based off todays balance, interest rate, minimum monthly payments

I essentially want to build my own debt snowball tracker, because the way my brain works isn't conducive to the ones I can download for free.

So I want to make another chart on what it will look like 3 months from now, just down from todays balance.

So columns:

A= item

B = total

C= payoff date

D = Monthly payment

E= interest rate (some are 0)

F= months left.

first row is the labels

so the first item actually tracked is b2

I asked chat GPT and the formula wouldn't take, this it what it gave me:

=IF($B$2<=0,B16-$e$3*$j$16,B16*(1+$B$2/12)^$j$16 - $d$3*(((1+$B$2/12)^$j$16 - 1)/($B$2/12)))

and right now the total comes up to 0, which I think is because some of the totals are 0, so i looked at other ones and it always comes to 0.

any advice?

it may take awhile to response as I'm about to be away for the rest of the night