Hi
Why is E3+C4+D4 not a formula?
E3 is your opening balance.
C4 is your first withdrawal - if any.
D4 is your first deposit - if any.


You seem to be hung up on your original formula. It does not work for you - forget it.
I have provided you with a solution AND A FORMULA - why do you not want to use it?
Tony

I'm sorry you don't think I am not taking your advice. a formula looks like this
=IF(B5="","",E4-C5+D5)

What formula that I can paste into a cell and drag it down will give me a running total?
I do not see your formula doesn't a formula start with a "=" sign??

Don't be insulted you are not giving me what I need. sorry

This is also a formula

=IF(DATEDIF(A9,B9,"y")=0,"",DATEDIF(A9,B9,"y ")&" years ")&IF(DATEDIF(A9,B9,"ym")=0,"",DATEDIF(A9,B9,"ym") &" months ")&DATEDIF(A9,B9,"md")&" days"

Hi
Then just add an = sign before my formula!
And then drag it down the column to repeat it.
Just for information the = sign is not part of the formula it simply indicates to Excel that everything after the = sign is a formula.
Good luck.
Tony