Here is the formula currently:
=IF(AND($R4="NONE",$S4="NONE"),"NONE", IF(($E4-DAY($E4)+1)=AB$3,($U4+$V4)/6,
IF(($F4-DAY($F4)+1)=AB$3,($W4+$X4)/12,
IF(OR(($R4-DAY($R4)+1)=AB$3,($S4-DAY($S4)+1)=AB$3),"END", IF(AA40,AA4,0)))))

Whe If R4 and S4 = NONE, then put "none" in AB4; if date in E4 (default
to beg of month) = AB3 (also a date), then calculate; if date in F4 = AB3,
then calculate; if date in R4 = AB3 OR if date in S4 = AB3, then put "end" in
AB4; if AA40, then put $ amount that is in AA4 in cell AB4; if all false,
put $0 in AB4.

Formula seems to work - however, it is not putting the word "end" when R4 or
S4 = AB3, it simply defaults to $0. Have I forgotten a step in the formula?
Or is there a trick I don't know about?

Please HELP! I've been working on this formula for days now!

Thanks in advance,

Heather