empty field blows up calculations

In the Completion field i have entered a simple formula to get the percentage to display. The formula is (CumulativeAmount1/Budget1)*100 by the way. the math works correctly but the problem i'm having now is that when the first 3 fields in the row are left empty it just blows up and gives me the "Value entered does not match the format of [Field]" error. i'm looking for a fix for that. i'd also like for the fields to remain empty unless a value is entered into any of the first 3 fields in the row.
i have zero skills at this. all i know are the basics of Excel formulas so please forgive my ignorance.
any help would be appreciated.