Obviously, your spreadsheet is must more efficient than mine and it makes complete sense to switch over.

For now I'm going to stick with my spreadsheet and make the manual formula changes (still looking a formula) until I have the time to switch over....ultimately, my goal is to switch over to your spreadsheet.

I appreciate all your help.

Bruce

P.S. A few days ago I posted the same question(s) on another xls forum and just received a formula that might work (I still need to work on it a bit).

=IF($I7>0,$P7-LOOKUP(EOMONTH(DATE(YEAR($B$7),MONTH($B7),1),-1),$B$6:$B$1000,$P$6:$P$1000),"")