Thanks

Try this...
A
B
C
D
E
F
G
H
I
J
K
L
M
1
 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2
10000
20000
30000
40000
50000
60000
70000
80000
90000
100000
110000
120000
3
4
5
10000


A5=IF(COUNTIF(B2:M2,">0")=12,MIN(10000,SUM(B2:M2)*0.02),"")

You didnt say which way your data went, so adjust as needed