I am trying to create a spread that will provide me with a round up savings total since my bank does not offer that feature. I would like to insert my debit amount, round it up to the next dollar amount, deduct the debit from the rounded amount, and total the differences so I can transfer that total to my savings account at the end of the month/quarter. When I have a flat dollar amount, $20, it rounds that to $20 dollars. Making the difference to be added to the total savings column $0. Could one of you kind folks help me create a formula that would substitute that $0 dollar SUM with $1. In case my description sucks, I have provided a picture with what I have so far.