I'm trying to figure out how many payments a customer has made from a start date (B3) to today. The term of the lease in months is in C3.

Customers have the option of paying annually, semi-annually, quarterly, or monthly.
They also make a downpayment (so in a 12 month lease, the total # of payments will be 13).

I have attached a worksheet showing the table I'll use for a vlookup later on.

This is the formula I attempted with monthly payments:

=IF(DATE(YEAR(B3),MONTH(B3)+C3,DAY(B3)<TODAY()),C3+1,(DATEDIF(TODAY(),B3,"m")+1))

However, it says that the start date(10/1/12) plus the term of the lease(12 months) is earlier than today's date, so I get a total of 13 payments when it only started in October.

Can anyone please help me figure out how to find the nubmer of payments?
Thanks!

# of Payments.xlsx