How do I write this formula in Excel?
=if(700>=700;"Saving";IF(700<>700400;"average saving";If(700<=400;"Spender")))
How do I write this formula in Excel?



I'm guessing that you want some cell to show "saving", "average" or "spender", depending on the value of some other cell. If that is correct, and the cell containing the value is A1, then the following will do the trick:
If you put this in a cell, the cell will change from "average" to "saving" to "spender, depending on the value you put in
If my guess is incorrect, please explain what you require. 

