What this mortar calculator is solving
Mortar quantity is not based on wall area alone. Joint thickness, masonry unit size, and wall thickness all change the amount of mortar implied by the wall layout, which is why a simple square-foot or square-metre figure is not enough when you want a realistic order estimate.
This mortar estimate is built from a repeating masonry module. The module combines the unit face size with the joint thickness, then compares the jointed module with the solid unit face to estimate how much of the wall volume is occupied by mortar rather than by the masonry unit itself.