All good with one observation. In the column F - for 'Retired' status the formula doesn't include the Tax implication on the withdraw amount (E23). It shall be =IF(G31="Earning",B31*(1+$F$14)-C31/(1-$E$23)-D31/(1-$E$23)+E31,IF(G31="Retired",B31*(1+$F$23)-C31/(1-$E$23)-D31+E31,0)) - am i the only one observing this?