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Default Formula problem

I'm working on a cash flow chart and I can't figuare out how to get the
formula to work. I have been try to use IF functions. Here is the problem.
Cash balance must be kept at $50,000 if lower loan needs to be increased, if
cash balance is over $50,000 then amount over goes back to loan. I also must
deduct interest before additional money is taken or given back. So far I have
come up with the following formula which worked until we got over $50,000 and
I need to put money back.
=IF(J46<=50000,((50000+J49))-J46) Thanks for any help. Nancy E
 
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