This is my first attempt a using sumproduct and testing by rows and columns
together.

My goal is to:
Sum all cells U10:DL30
if Row 7 <= the current month
if Row 9 = "projected"
if C10:C30 = B31

I have tested all 4 arrays of the following formula individually and they
produce the correct value, but when I combine the 4 together as the following
I do not get the desired result:

{=SUMPRODUCT(--($U$7:$DL$7<=EOMONTH($B$1,0))--($U$9:$DL$9="Projected")*($U$10:$DL$30)*($C$10:$C$ 30=$B31))}

I've tried switching the order of the arrays and I get different results,
but never the correct result.

Thanks for reading.