The column in $D5 is locked, and the row in E$4 is locked.
This allows the formula to be copied across the table.
In months where the expense is not yet valid, the result is zero.
More than one condition can be tested by nesting IF functions.
Expense begins on specific month
To start an expense on a specific month, you can use a formula based on the IF function. In the example shown, the formula in cell E5 (copied down and across) is: =IF($D5
