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Default Creating an if then function to manage deductions from different c

I am trying to build a worksheet that deducts a value from each cell in a
column in a row until the column equals zero and then begins deducting from
another column when there is a zero value in the original column with the
general if equation =IF((H3*(1+$O$43))<0, 0, H3*(1+$O$43)). The problem I
run into is that if the deducted amount is for instance 600K and the column
value is 400 K the incremental 200K never gets accounted for which should
have been deducted from column 2.
I am using Excel 2003

 
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