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Default sum a column range basing on financial year.

I have a dates in ascending in Col-a, and income amount in col-b.
I need a function that gives me --sum of income earned in this financial
year as on today.(assuming financial year 1st april to 31st march).No where
the financial year is entered in w/sheet.basing on today's date the fuction
should calcualte financial year,and other results.
second part of question is -what will the function for last year,basing on
today'date.
 
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