So in this case the individual made up their $42,464 deficit (B6) in May by doing $67,700 (C6). So therefore they receive $1,400 in back pay for April. The problem is that the negatives in future months (D6 and/or E6) wiped out the $1,400 in B11. Once they receive the backpay for a month B11, C11, D11, etc. they cannot loose it for going negative in future months. Therefore I want B11 and any subsequent columns in row 11 to stop calculating after $1,400 is displayed.
I could have done a > than equation but at any future month/s someone could make up their yearly deficit and be owed back pay. So for example if August (F8) is great than F7 then I owe them $1,400 for June and July but not May because it was calculated in C10 ( =IF(C5="","",+IF(C8>C7,1400,0)) ) and not for April because it was originally paid after May's overage.