I despair...

I would like to create a formula field that does the following:

Numberfield1 = 120 €

Numberfield2 = 12 months

date = 01.02.2021

now the formula field should calculate the following:

If date is in future, then formula field=120€

If date is e.g. 01.13.2021 then formula field = 110€

So it should reduce with each month the number by a certain part (in this case 1/12).

I have already managed that. Problem is only that after 01.02.2022 the formula field runs into the minus. But it should not. it should then remain at 0.

My current formula:

If((${Numberfield1}-(Datecomp(Now(),${date})/(60*24*30)*(${Numberfield1}/(${ Numberfield2}))))>${Numberfield1},${ Numberfield1},(${ Numberfield1}-(Datecomp(Now(),${date})/(60*24*30)*(${ Numberfield1}/(${ Numberfield2})))))