Vacation and Sick Day Tracking

I'm trying to find some way that I can keep track the co-worker PTO (include vacation and sick time) accrual. I have absolutely no experience with Excel, so bear with me. Fortunately, the vacation and sick time are fairly straightforward.

Less than 1 year service have 10 days.

1st through 2rd year service have 12 days.

Sick time will be earn from what first 10days leftover. The maximum of 23 PTO days can be accrued and 21 reserve sick days may be banked.

2nd - 3rd year services 13 days.

3rd - 4th years services 14 days.

4th -5th year services 15 days.

5th year and up services, will add 1 day of PTO until reach max. 20days.

I don't mean to burden everyone, but I need some way to track the vacation and sick hours and be able to subtract hours I've used so that it updates my total. Can anyone help me?
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Less than 1 year service have 10 days.
=if(ServiceYear<1,10)

1st through 2rd year service have 12 days.
if(and(ServiceYear<2,ServiceYear>=1),12)

Sick time will be earn from what first 10days leftover. The maximum of 23 PTO days can be accrued and 21 reserve sick days may be banked.
I don't understand this, especially what is PTO

2nd - 3rd year services 13 days.
if(and(ServiceYear<3,ServiceYear>=2),13)

3rd - 4th years services 14 days.
if(and(ServiceYear<4,ServiceYear>=3),14)

4th -5th year services 15 days.
if(and(ServiceYear<5,ServiceYear>=4),15)

5th year and up services, will add 1 day of PTO until reach max. 20days.
Well PTO again

Then combine all the if function in single formula