I have a five year month-by-month personnel budget with the staff names down
column A and their start dates in columb B. The months and years through 2012
go across row 1.

My question is, is there a way to build formulas that will calculate annual
wage increases based on start date where the increase is:

1. 2% at year one anniversary
2. 3% at year two anniversary
3. 1% at every anniversary thereafter

Thanks.