IF Formula date - update field exactly when the month is reached


I have this formula below:

{Course Payment Duration},
{Course Joining Date},
) > {Course Payment Duration}
‘Payment Complete’

this formula is meant to tell me when as user has paid a subscription based on the amount of months it been since they joined but it seems to only show payment complete when the next complete month has passed.

An example is if the Course payment duration is 3 months the payment complete only changes when it it’s 3 months + the days of that month have passed.

I need the payment complete to change when the 3 months have been reached.

Hope someone can help


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