Need help formulating an equation in excel

Based on the jpeg, taking the first column as A and assuming we are now on cell D100, this will work

=if(lookup(10^99,$f$1:f99)+c100>newbalance*2,+Draw,0).

Note the lookup vector stops 1 row above current cell, else you get a circular reference.

It presupposes you are willing to enter the new balance in a cell up top as I mentioned above. If not, I reckon you have no choice but to go with VBA.
 
This is what I recommended earlier. He specifies a fixed draw and a multiplier when to draw.

=IF(your condition, resulting balance because you have a draw, balance because no draw was made)

=IF(R17>(S5*R6),(R17-R2),R17) // new starting balance for the next sequence of trades
 
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