Because the named ranges Paid and Years are defined by virtue of formulae (rather than by explicit range reference) you can't use INDIRECT formulae to reference them.
Put another way - using your file - the reference(s) to the name(s) must be explicit as opposed to implicit given the names themselves do not use explicit references - as is proven by virtue of Simple versus Complex in your sheet.
The workarounds are then to either
a) use explicit range references in your names (eg ='Summary (0)'!$D$7:$F$7)
b) use the Evaluate work around via additional names
Option a) is obviously not always viable so to demo option b) ... using your file - for simplicity let's create the INDIRECT strings as we need them:
With the above in place let's use Evaluate via two new Names, eg:
We then utilise the above in our formula:
As you alter E3 so the references should adapt accordingly.
To demo. copy Summary (0) and change the paid values - then modify E3 to be Summary (1) and you should find the result alters accordingly.
NOTE: in XL2007 and beyond the above (use of old XLM call) would necessitate file be saved in macro format (eg .xlsm) if using 2007+ extensions.
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