IF the condition of gender is met AND the condition of age is met subtract this number

Try this
=IF(and(d4=2,c5<e3),c9-5,0)

Using your posted workbook...
This regular formula returns the intersect of Age Range and Scale in the appropriate Gender table

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Is that something you can work with?

id change the age range column using edate to set the boundaries as that will allow for leap years and drop the & d of of the days formula
so c5 is
=DATEDIF(B3,D3,"d")


so e2:e5 become

e2= 0
e3 =DATEDIF($B$3,EDATE($B$3,96),"d")
e4 =DATEDIF($B$3,EDATE($B$3,132),"d")
e5 =DATEDIF($B$3,EDATE($B$3,168),"d")
then
e9

=C9-IF($D$4=2,INDEX($J$3:$M$13,MATCH(A9,$I$3:$I$13,0),MATCH($C$5,$E$2:$E$5,1)),INDEX($O$3:$R$13,MATCH(A9,$N$3:$N$13,0),MATCH($C$5,$E$2:$E$5,1)))

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