Use the MAX function. Assuming your posted formula is the one you want to
use...

=MAX(0,-CUMIPMT(H13/12,H14*12,H12,1,12,0))

Rick


"lena" wrote in message
...
I'm doing mortgage calculations such as
=-CUMIPMT(H13/12,H14*12,H12,1,12,0)and can't figure out how to have a
result
that, when the result is a negative number, zero is entered by default.