said: In the chart below I am trying to keep track of money balances for different purposes stored in one bank account. I am having difficulty with the formula for the columns headed <tax> <rates> <private>. The formula is < =if(c4='t',d3+b4) > of course in the <rates> and <private> columns the 't' is replaced with 'r' or 'p' as appropriate. The formula for the total column is < =if(b4<>0,g3+b4) > this works ok except that I would like to get rid of the word 'false'. My problem with the first formula is that when the new amount has to be added to a cell not immediately below the previous total the new amount is added to zero instead of the previous total. regards john t