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Default I need a Line of Credit Calculator

I know this may be a bit of a 'big one' but, I really need a calculator that
will allow me to have a fixed interest rate, and then allow me to enter
payments or withdrawls to determine the current balance of the line of
credit. Anyone up for making such a beast for me? I am just horrendus at
loans and that sort of thing.
I don't know if for example withdrawing money at mid month affects the
actual interest rate or not, or paying late, but frankly i'm not worried
about _that much_ accuracy. Just the calculations.

I was thinking A2 would be the interest rate: 10.9%, A5 could be the start
of the dates, B6 could be the first withdrawl from the line of credit. C6
would be blank? as not one month has past but B7 would be the payment made,
or withdrawl again, C7 would be the current full amount due with interest and
so on.

Anyone up for this? I really just need the formula to put in the C column. :)
I could really use your assistance on this.

Please and thank you? :) *SMiLe*

 
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