date formula and outstanding loans

i use this formula in excel to work out years and months left but does not work in sheets

=DATEDIF(0,I2,"y")&" years "&DATEDIF(0,I2,"ym")&" months "&DATEDIF(0,I2,"md")&" days"

what i am doing i have few out standing loans which i make reduced payments on i and need to see how many years i have till they are paid off

at present i have balance, monthly payments with the amount of years months left

also have a want if ie if pay X amount month want difference it makes


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