I'm sorry it may be because I don't understand how a formula works, I do know there has to be a subtraction for any withdrawals and a addition for any deposits.

The formula that worked on my other worksheet that someone in a excel forum gave me was =IF(B5="","",E4-C5+D5)

I couldn't get the same one to work in my new one. You formula is nothing like the one above so I am confused.