I have a very hard time believing that website can give even such an approximate time frame in such a quick response.
rumborak
This. And I'm also a bit wary of typing some of my more commonly used passwords into a website that I know nothing about, which is why I haven't done it.
The time frame is all simple calculation, especially since, as stated, the dictionary checked is really small. It's just based on what character sets you use. Are you using multiple cases; using both letters numbers, using symbols, etc. The calculation is not unique to your specific password, "AfG6" should be the same as "55yT". ...which is also why you don't have to type your own password. Just keep the case, character classes, and length the same, you should get the same result.
Also, when it says 20 years, it means it would take 20 years using a the appropriate character set to try all combinations. Even the most complicated password can be broken on the first try by brute force if they start randomly.