New to excel

Sean_Mack_1975 

I kept the basic arrangement you proposed but made 1 change.

I believe it's best to list the starting budget at the top of sheet and have the rows display the 'money on hand' to take into account the money spent in the same row. In other words, the 'amount' in the first line won't be 10,000  - it will be 3,005.

Next, I created dynamic named ranges for AmountReceived, Cost, LeftToPay, and MoneyPaid (I've included some notes on these in the attached workbook).

Dynamic named ranges make the formula in the 'LeftToPay' column very easy, and you won't have to update anything:

=Cost-MoneyPaid

The amount is then determined with some basic accumulation:

=LET(
    accumulate, LAMBDA(a, v, a + v),
    RunningCost, SCAN(0, Cost, accumulate),
    Budget - RunningCost
)