the years are in Row 1. 2020, 2021, etc. The user is planning to purchase a house, but doesn't know what year. The data rows include fair market value, outstanding mortgage, equity, interest paid during the year and the tax value of the interest deduction. The mortgage is a function of what year and also the purchase price which grows over time, so if he buys in 2025, he'll pay more and have a larger mortgage than if he purchases in 2023. I know the purchase price, outstanding mortgage, and mortgage paymens over the various possible years. My current practice is to have the amortization schedule on another worksheet and simply refer to it (lookup the outstanding balance every year and the sum of the interest payments). I then clumsily insert/delete cells to move the block of data left and right to get the purchase year correct. But that generates errors in cells below that reference the data block. I can redraw those cells with errors, but it is awkward. I thought of using a lookup function, but cell C5 (for example) sometimes refers to data from year 3 and sometimes to year 4, etc., depending on when the buyer plans to purchase the house. Is any of this making sense?