formula to stop a countdown to a future date based on an actual return date

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Smartsheet community: I currently have three columns: the expected return date(which is a future date), a countdown column to determine how close it is to the expected return date or if it is past due, and the actual return date.

the formula for the overdue column is =[Expected Return Date]@row-Today()

What I am trying to accomplish is the following: if a date is entered into the actual return date column then stop counting, if the cell is blank, then continue counting. The actual return date column is using the date column type.

Would I need to use multiple if statements? Is it even possible to do what I am trying to accomplish? I'm not even sure where, to begin with, this one as I am by no means a guru with formulas.

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