Hi,

I can do it with IF(OR(AND formula but i will have to write all the
combinations of 3 out of these 5 values. for example...

=IF(OR(AND(O7=0,M7=0,K7=0),AND(O7=0,M7=0,G7=0)),0, "") something like this.

Is there a smarter way of saying if any 3 of these 5 cells have 0 then
return 0 else return sum of all 5?

these 5 cells are O7, M7, K7, G7, I7.

another condition is that if O7 alone is 0 then also it should return 0.

Regards.