If I understand you correctly:

D1: =IF(C1<=DATE(YEAR(A1)+B1,MONTH(A1),DAY(A1)),"Funde d","Under-funded")


In article ,
"darren16" wrote:

i have a cell that contains a date (A1). this date forms the basis of a
lockup period that can be 2 years, 3 years, or 5 years (entered in B1). the
user will enter a date in the future (in cell C1), and a formula (in D1)
needs to be able to determine whether the funds are available. any help on
the formula would be highly appreciated. thanks!