Creating a KPI based upon multiple variables in a list

I have a list with the following dimensions that I am interested in developing a KPI for each user. For example, I have User1, User2,...User(n). Each of these users will have to develop certain training credits every year with certain #s of training hours. Example, User1 may need 10 units of X-train, User2 may need 10 units of X-train and 20 units of Y-train.

I need to develop a KPI that looks at the units and says for each X-train criteria if they are getting it done.

Here's a use-case:

User1 will enter X-train event 1 for 5 credits in a column in SP User 1 will enter Y-train event for 3 credits in a column in SP User 1 will enter X-train event 2 for 2 credits in a column in SP

The columns in SP are: UserName, X-Train or Y-Train, NumCredits and a calculated column for the year (TEXT[TrainingDate], 'yyyy').

I think I need a calculated column that says aggregates X-Train and Y-Train for the year. Then I can just create an individual KPI for User1-XTrain-AnnualKPI and do a %-complete of a static value (15/20 = 80% of goal 100%).

Any thoughts on how to implement the calculated columns for aggregating training credits by training type for the year?

I am doing this all OOB.