The term 'AMOUNTS TO' can be broken down into three separate crossword solutions: SPELLS (6 letters), COSTS (5 letters), and TOTALS (6 letters). SPELLS refers to the letters that make up a word, COSTS refers to the amount of money spent on something, and TOTALS refers to the sum of two or more numbers. Therefore, the phrase 'AMOUNTS TO' can be interpreted as the combination of the three words, meaning the total cost of something or the sum of two or more numbers.