Hi,
I'm not sure if this is what your looking for but try this:

=IF(A1="y",IF(DATEDIF(B1,TODAY(),"d")<=C1*365.24,B 1+C1*365.24,B1+(2*(C1*365.24))),"")

B1 - effective date
C1 - term in years

Hope this helps
JG


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