To set a check register formula that calculates a running balance, you can use a formula based on simple addition and subtraction. In the example shown, the formula in G6 is:


Generic formula



The value in G5 is hard-coded. The formula picks up the value in G5, then subtracts the value (if any) in E6 and adds the value (if any) in F6. When the credit or debit values are empty, they behave like zero and have no effect on the result.

When this formula is copied down column G, it will continue to calculate a running balance in each row.

Dealing with blank values

To display nothing in the balance column when the credit and debit columns are empty, you can use the IF function with AND and ISBLANK like this:


This formula will return an empty string ("") when both credit and debit cells are empty, and returns the running balance if either number exists.

Note: this only handles bank credit and debit values at the end of the table, not rows in between.

Dave Bruns Profile Picture

AuthorMicrosoft Most Valuable Professional Award

Dave Bruns

Hi - I'm Dave Bruns, and I run Exceljet with my wife, Lisa. Our goal is to help you work faster in Excel. We create short videos, and clear examples of formulas, functions, pivot tables, conditional formatting, and charts.