SharePoint 2010-Calculation formula based on other columns plus a custom value

I would like to create a formula that will insert a fixed percentage based off column values, for example if the 1st Qtr debt goal for Jan is 1000 I want a Fixed % to be conditionally added to the Qtr% based of "The Qtr and Month" Not sure of the syntax need to complete this formula, any suggestions?

example column values Qtr (1st, 2nd,or 3rd) Goal (Debt, Income) Month ( Jan-Dec) Qtr% (1.5)

example formula =IF([Qtr]=1st+[Goal]=Debt+[Month]=Oct[Qtr%]=1.5