the cells in range d13:d14 have defined names, but one could be clearer, another is missing. Delete the Monthly_Contributions (cell D10) defined name because it will not be used in the calculation. Edit the name assigned to cell D6 to use Employer_Match as defined name, which clarifies the contents of the cell. Use the Future_Value as the name assigned to cell D14 so you can use the names in the formulas..