I am having w/book  named CurrentME  in which I enter all of financial transactions date wise,and I update it daily.
 First w/sheet  of the w/book has Table1 has column names are Date, Description, Online Credit, Online Debit, Cash Credit, Cash Debit, Cash in Hand, Category. 
All dates are in DD-MM-YYYY  format and  the starting date is 01-06-2024 which I assigned  a name  as  “AnchorDate”  .
Only financial transactions  are entered in  that Table1.
I have one dynamic search table in that w/sheet  from Q21:U####.>> headers of the search table are Q20—Codes, R20--- Description, S20 --- Upcoming Due Dates,T20---Execution Date/status, U20 --- Amount Credited/Debited.
Total logic contains in Q column Codes, backbone of this serach table.
Universal formula for Upcoming Due Date is prime requirement in S21,derived  from Q21 code.
Execution Date/status and Amount Credited/Debited is derived from Table1.
Formula should  give Upcoming Due Dates as on today’s date.
If due dates not executed ,text messages “Credit pending” or “Debit Pending” be populated in Execution Date/Status for all FTR coded transactions. For other codes other than FTR codes text messages like “Wait (days left formula Due date-TODAY()) days left “ or if due date equals to today’s date greeting messages like “Happy Birth day” for codes with EVN and description with 2 letters “DB” or msg “Happy Anniversary” description with “MA” and for codes with TSK “Today is Last Day , Do it” msg be populated .
Due Dates be auto rolled  or modified to next due date once formula driven  execution date  occurs or due date lapsed.
 Codes in column Q21:Q42
FTR-EOM-LICPEIN-CR-
FTR-MDN-INMF01-CR-10
FTR-MDN-INMF02-CR-21
EVN-FDM-MA01-03-09
FTR-AOY-TEPSW-CR-15-07
 FTR-AOY-TEPSS-CR-22-01
FTR-QCM-BOIQ1-CR-04
FTR-QCM-BOIQ2-CR-07
FTR-QCM-BOIQ3-CR-10
FTR-QCM-BOIQ4-CR-01
FTR-QCM-BOBQ1-CR-04
FTR-QCM-BOBQ2-CR-07
FTR-QCM-BOBQ3-CR-10
FTR-QCM-BOBQ4-CR-01
FTR-HCM-HDFCQ1-CR-03
FTR-HCM-HDFCQ3-CR-09
FTR-QCM-ICICIQ1-CR-03
FTR-QCM-ICICIQ2-CR-06
FTR-QCM-ICICIQ3-CR-09
FTR-QCM-ICICIQ4-CR-12
EVN-FDM-DOB01-31-03
EVN-FDM-DOB02-05-09
EVN-FDM-DOB03-27-03
EVN-FDM-DOB04-11-11
EVN-FDM-DOB05-31-01
EVN-FDM-DOB06-22-06
EVN-FDM-DOB07-29-12
EVN-FDM-DOB08-09-07
EVN-FDM-DOB09-14-03
FTR-EOM-OAPJG-CR
EVN-FDM-DOB10-09-06
EVN-FDM-DOB11-07-04
EVN-FDM-DOB12-27-10
EVN-FDM-DOB13-29-10
EVN-FDM-DOB14-27-12
EVN-FDM-DOB15-25-12
EVN-FDM-MA1-04-07
EVN-FDM-MA2-04-06
EVN-FDM-MA3-28-01
EVN-FDM-MA4-18-11
FTR-MSD-SIP-003-DR-10
TSK-FDM-ITRFD-31-08
All codes has either 3,4 5 delimetres (“-“)
What the Codes mean:
All codes starting with FTR means financial transactions parsed with CR  are Credit transactions  with DR are Debit transactions.
EVN means EVENT means non-financial transaction is no way connected to Table1.
TSK means TASK     also means as above.  
All EVN and RSK codes are parsed/ending with two numerals/numbers  denotes day number and month number. For example my last code in above TSK-FDM-ITRFD—31-08  means the TASK has fixed date month (next 3 letters FDM) task is ITR filing date(ITRFD) and next number after ITRFD is date and next number is month number. So upcoming due date will be 31-08-2026.
Code after first 3 letters (from left): MDN  every month day number, FDM upcoming fixed day and month of current year, QCM and HCM are quarterly calendar month ,half-yearly calendar months all are parsed with two digit numbers denoted quarter/half year ending month, if any QCM,HCM ends with 08 means end date of  AUGUST month, therefore upcoming  due date in this case is 31-08-2026(without grace period).EOM stands for month end date of every current month. AOY stands for annually once in a year. In one of my above codes is  FTR-AOY-TEPSS-CR-22-01 means every year on  22nd JAN gives due date 22-01-2026. Which is lapsed ,therefore correct  upcoming due date after auto roll over is  22-01-2027.Another AOY case in my above codes is FTR-AOY-TEPSW-CR-15-07. Is 15th JUL the date which is not lapsed, so upcoming due date is 15-07-2026.
All codes with AOY are FTRs and All non FTrR  codes(EVN,TSK) have same formula ligic ,which derives from day number and month number of the code’s last two numericals and the same non FTR  codes parsed with FDM (fixed day month) should  have no grace periods.
Codes with MDN and MSD logic same derives upcoming date Monthly Day Number or Monthly Same Day number, both have one numerical at the end of the code(Code’s right).Later on MSD code needs to be integrated with some other formula.
Grace Periods list: FC2:FD8
Holidays list : FA2:FB13
My Requirement is :
1.Need single universal ,enterprise -grade formula in S21, T21(Table 1 driven),U21 (Table1 driven)
2.Frequency driven only by Codes in Col Q
3.No DATEDIF anywhere
4.Fixed calendar based   quarterly/Half-yearly using month numbers in code
5.Day/Month numbers parsed from the code itself
6.Variable/selective grace periods
7.Weekends included –  Holidays excluding
8.Returns REAL Excel Dates(dd-mm-yyyy) format
9.Customized formulaa based messages in Col T according to codes 1st and 2nd  3 letters
10.Works in Microsft Excel 365.
11. Auto roll over of due dates in col.S and automatic results in col T & U.
12.All conditions fulfilled without any errors.