Summarising annual data on separate sheet

Hi

In the attached sheet, we add the credit card transaction costs on a monthly basis in to sheet Card Charges (2) - eg D4 = 91.35.

Our Financial Year runs October through to the following September, so hat I am trying to do on Annual Analysis is to consolidate all of the charges for a particular cell, for that year - e.g. Annual Analysis C4 would be the sum of Card Charges (2) D4:O4.

Whilst I could do this with Sum, I think that there must be an easier way using SumProduct so that I can set up the whole sheet more easily, rather than having to do individual Sums on each cell.

Can anyone help me with the please?

thanks