Calculate Costs based on Fiscal Year and Location of employee

I have a table with Employees, a table with Project Time and a table of Fully burdened transfer costs . the transfer costs are different by location and Fiscal year. I want to write a query that collects the hours for each person and the costs for those hours. * The Project table has the employee ID, Week ending date and the hours * The employee Table has the employee ID, Employee location * The rate table has the FY, Location ID and Rate * Depending on the FY a person will have a different cost for the same hours. I am currently calculating the cost after I have entered the hour information into a spreadsheet . I then go through the results and calculate the cost. There are 70000 entries in the spreadsheet and it takes approximately 40 minutes to run the report. How can I write the query to calculate the cost for the hours?