# Calculate Debit Credit Running Balance Using Excel Formula (3 Examples)

We’ll use the following dataset, where deposits and withdrawals on the credit and debit accounts are put in column C and column D. Weâ€™ll calculate the running balance. The cell E5 contains the starting account balance.

### Method 1 – Apply the SUM Function to Calculate the Debit-Credit Running Balance in Excel

Steps:

• Select cell E6 to calculate the running balance.

• Insert the following formula and hit Enter.
`=SUM(E5+C6-D6)`

• Youâ€™ll get \$109,958.00 as the return of the SUM function in cell E6.

• Place your cursor on the bottom-right corner of cell E6. It will change into the Fill Handle sign.
• Drag the Fill Handle down to AutoFill the column.

• Here are the results.

### Method 2 – Use the OFFSET Function to Calculate the Debit-Credit Running Balance in Excel

Steps:

• Select cell E6.

• Insert the following formula:
`=SUM(C6,-D6,OFFSET(E6,-1,0))`

To refer to the past balance, we use the current balance (E6) as a reference, which has and offset of [-1,0].

• Press Enter.

• AutoFill the formula by dragging the Fill Handle from cell E6 down.

Read More: How to Keep a Running Balance in Excel

### Method 3 – Merge the SUM and INDEX Functions to Calculate the Debit-Credit Running Balance in Excel

Steps:

• We’ve modified the dataset to no longer contain the starting balance at the top.
• Select the cell array B4:D14.

• From the Insert tab, go to Table.

• A window named Create Table appears.
• Press the OK button from the Create Table window, and you will get a table with the headers.

• Select cell E5.

• Insert the following function in cell E5:
`=SUM(INDEX([Credit],1):[@Credit]-INDEX([Debit],1):[@Debit])`

• Press Enter to get the result. The table automatically fills all the cells in the column.

## Related Articles

<< Go Back To How to Make Balance Sheet in Excel |Excel For Finance | Learn Excel

Get FREE Advanced Excel Exercises with Solutions!
Md. Abdur Rahim Rasel

MD. ABDUR RAHIM is a marine engineer proficient in Excel and passionate about programming with VBA. He views programming as an efficient means to save time while managing data, handling files, and engaging with the internet. His interests extend to Rhino3D, Maxsurf C++, AutoCAD, Deep Neural Networks, and Machine Learning, reflecting his versatile skill set. He earned a B.Sc in Naval Architecture & Marine Engineering from BUET, and now he has become a content developer, creating technical content... Read Full Bio

1 Comment