Nested IF (I think) help needed

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RCWino

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Oct 20, 2019
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I have a spreadsheet with a list of loans. Sometimes a loan has a late payment. I want to calculate the number of months that a loan interest payment is late if it's not yet reached maturity, or the number of months interest was unpaid if the maturity date has already passed. And, if there's nothing late, then leave the cell empty.

My spreadsheet has 3 dates: today's date, the date of the first missed interest payment and the maturity date of the loan. Also, have column that I X if a loan is late.

F1 = Today()
C3 = I will put an X there if a loan payment is late.
D3 = 1st unpaid month. I insert a date. (C3 will have been checked).
F3 = This is the cell I need help with. I want the number of months either between today and 1st unpaid month (if maturity date is in the future), or between the maturity date and the 1st unpaid month (if the maturity date has already passed). I would like it to remain empty if a loan is not late.
M3 = maturity date

Thank you in advance for any help. Much appreciated.
 

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