I am trying to write a formula that lists when we owe and when we are due. One cell lists the total amount of funds distributed, another lists amount spent. I want one cell that reads if one cell is greater than the other, zero is due and if less than, the difference in the two numbers. The other cell is to read the opposite; if it is less than, the difference is owed, if greater, it should read zero. I've tried variations of =IF(C41>C42,0)*IF(C41<C42,"SUM"). Can you point me in the right direction?