what have I done

Albert

I don't know what you have done (partly since you don't say with cell was changed from 150 to 300 to cure it!).

I think however that the problem lies in column M (where you calculate the payment number)- that can produce an error as the loan value is near 0.

An easy way to fix it is to wrap an IFERROR function around your calculation (and say what value the cell should be in that case- I chose "-".so there's a clue that caculations are in row  In the attached revision to your worksheet, I've changed the formula for payment number in L20 to add the bits in bold below:

=IFERROR(IF(S19>0.01,L19+1,"-"),"-")

Then in M20, I've changed the IF test value to "-" rather then "", in bold:

=IF(L20="-","",WORKDAY(EOMONTH(M$18,-1+L20)+7,6))

and likewise for N20:S20 and copied that row down to row 78.

That produces - in L after the last payment and blanks in columns M:S.

To make the "value gap" to the total row 79 clearer, I've added conditional formatting so those rows are shaded light grey. In cell 20, the formatting formula is:

=IF($L20="-",1,0)

(where the column is fixed) and I carefully extended the "applies to" to read:

=$L$20:$S$78

If you don't like that, you can use ribbon Home/ Conditional Formatting/ Manage Rules... to deleted that.

Hope this helps.