Ok….Please enlighten me. I need to insert another variable into the standard SUMIF equation. Column A: The Type of Loan…ie…REFI…PURCHASE…HELOC…FHA…VA…PIGGYBACK (10:300) Column B: The Loan Specialists Initials…ie…MO…JK…etc…(10:300) Column C: The amount of the loan. (10:300) I’m trying to maintain a running total for every Loan specialist in relation to the various types of loans they’re working with and the AMOUNT within each Loan Type. Thanks in advance. “Just as our eyes need light in order to see, our minds need ideas in order to create.” - Nicolas Malebranche

Hi B Calhoun You could use a SUMIF, but you'd end up having to concatenate the specialist with the loan type so that you didn't get cross totals. Much better to use a pivot table. There's no way on earth I can explain this in one post, but step through the wizard and you should be just fine. Post back if you need more help Cheers Tom

I don't know anything about Pivot tables, but I've heard they are good to use. But, could you add a column that combines the values of column A and column b (=A1&B1), and then use SumIf on that column?

Yes - thats what I meant by concatenate. Its a great workaround if you want to avoid pivots (which can be heavy on memory usage) but ultimately leads to confusion and/or over-complexity. Honestly - take a look at pivots. They really are a doddle when you get used to them (especially if you are using office >= 2000). AND - contrary to the way most people think about having to learn something new, they are actually quicker to put together than the time it would take to design a functional concatenation that is robust enough for your purposes. Cheers Tom

Here's good and short tutorial on a Pivot Tables: Pivot Tables Larry