what i am trying to do:

-i have certain values let's say from D2:P2 (in a row), but, not ALL the cells will be filled. (i.e. D2=2, E2=4, F2=6, and the rest are blank or can be filled in depending on the amount of payments made)

-dependent on how many of the cells have been filled in, there needs to be a specific formula (present value formula), (i.e. if there are only three cells that are filled, then, the formula would be = .5*e^((D2/12)*T)+.5*e^((E2/12)*T)+.5*e^((F2/12)*T), but if four cells were filled then it would add that one in)

-then, it has to return the result of that formula into a certain cell, say A2.

i'm sure there's a way to do this, but i'm not well versed in vba, so, i'm not sure how to get this done (i'm stuck on trying to see if cell.value=true or something?) i'm not sure.. any help would be appreciated... thanks.