So here is my current formula:

=(((((((((((((((((((((((J32-I33/12)*(1+$L$10))-I33/12)*(1+$L$10))-
I33/12)*(1+$L$10))-I33/12)*(1+$L$10))-I33/12)*(1+$L$10))-I33/12)*(1+$L
$10))-I33/12)*(1+$L$10))-I33/12)*(1+$L$10))-I33/12)*(1+$L$10))-
I33/12)*(1+$L$10))-I33/12)*(1+$L$10))-I33/12)*(1+$L$10)+I33-J32

J32 is my Ending Balance from the previous year (500,000 in my
example)
I33 is my Withdrawals for the current year (67,000 in my example)
L10 is my Monthly after tax effective rate (0.4% in my example)

The answer should come out to be: ~$22,767

What this formula should be calculating if my "After-tax Interest."
My question is, can anyone help me clean up this formula?

Thanks for your time,

Tyson