I have a spread sheet laid out with the months across row 12. There is 4 years (eventually I will put more years as we reach them) worth of data and two columns between each year that are unnecessary for the formula I am working on. From Row 12-150 Column N-BO is financial amounts per month. I am trying to develop a formula that allows me to average out the overall amount the customer has paid divided by overall months starting at the inception of the customer to the current month. I probably should have it laid out a lot better with some of the other functions I don't know how to use but for now I am just using this for personal knowledge. The ending month is just noted as the last column with any data in it.