If you have 9.75 in cell A1, then in cell B1 you can put the formula =A1/100
and it will read 0.0975 as you desire. It is not possible with standard
fetures in excel to have the conversion take place in the same cell where the
data is entered. A cell can contain either a data entry value, or a formula
(displaying the result), but not both.
If you do not wish the data entry to appear side by side with your formula
result, then you might consider using "helper" columns located elsewhere and
the results linked to your output display.
hth
Vaya con Dios,
Chuck, CABGx3