I did use the said:
<enter> array formula. And sorry I had just put that 2
in as a test as I have many zeros in my cashflow. Using a
zero did not change the problem.
The only way I could get it to work was by pasting a
whole load of row dates (enough to match the no. of cost
rows), then all the rows of costs, THEN the same no. of
rows of formula's BELOW all these rows - so 10 rows of
dates, 10 rows of costs, then 10 rows (well 10 cells
vertically) of formulas. I had to do this as I don't
think pasting ranges into your formula worked ie I had to
just leave the formula as 1:1 and 2:2 ie referring to
whole rows rather than eg B1:E1 and B2:E2. This meant a)
the formulas had to be below the rows of costs rather
than adjacent and b)I had to paste multiple date rows in
order to be able to drag down the formula.
So it now works but am sure I took a wrong turn somewhere
as am sure you meant it to be much simpler and cleaner.