Checkpoint processing occurs after the server determines exactly which objects it will save for a particular library. If the save-while-active request is for multiple libraries, then the server performs checkpoint processing for all libraries in the save request.
Checkpoint processing does not require that the server maintain two complete copies of the objects you are saving. The server only maintains two copies of the pages of the object that the applications are changing while you are performing the save. The more pages that applications change for an object during the save-while-active request, the greater the storage requirement for the object. After the server completes checkpoint processing to create the checkpoint image of the page, performance decreases slightly for the first update to a page. The performance impact varies depending on the disk type, available disk storage, and processor model. Further updates to the same changed page do not require any additional processing with respect to the checkpoint version of the page.
The figure above shows a timeline with T1 — T5: