The 90-minute cycle is an average, not a metronome. Sleep runs in cycles of light sleep, deep sleep and REM, but the length varies between people and between cycles in the same night, from roughly 70 to 120 minutes. Early cycles carry more deep sleep and later ones carry more REM. No calculator can tell you where you are in that pattern without measuring you, so the times on this page are good guesses that get less reliable as the night goes on.
Total sleep beats cycle timing
If you have to choose between hitting a cycle boundary and getting more sleep, take the sleep. Sleeping 8 hours and waking mid-cycle beats sleeping 6 hours and waking neatly. The main use of these rows is to stop you setting an alarm that gives you five and a quarter hours when six was available.
Sleep need is a range
Adults generally need 7 to 9 hours. Some people genuinely function on less, but far fewer than the number who believe they do. Van Dongen and colleagues (2003) held people at six hours a night for two weeks. Their performance kept degrading until it matched two full nights without sleep, while their own ratings of sleepiness levelled off early. You cannot feel the deficit accurately, which is the whole reason a written ledger helps.
Debt does not fully repay
The weekly deficit here is arithmetic, not biology. Recovery sleep restores some function quickly, especially after one bad night, but studies of chronic restriction find that reaction time and attention do not return to baseline as fast as people expect. Treat a large deficit as a signal to change the schedule rather than a debt you can clear on Saturday.