I am using this function (OFFSET(C5,0,5) and as you can see, I am asking it to call the cell 5 columns back from C. Of course, that doesn't exist. So what should I have there to make it zero.

What I am trying to do is create a spreadsheet showing when people pay me back money. I am loaning in month 1 and getting paid 5 months later. So under the repayment row, I want 0 for the first 4 months instead of #ref!.

Thanks!