Determine The Age Of A Value In Respect To A Table Of Columns

I'm trying to determine the age of a value in respect to a table of columns and just cannot seem to nail it - perhaps it's my logic .

1 year2 year3 year4 year5 year5 year +Balance395.0384769.77271115.9771436.9441738.5292009.48775

I have a balance (in this case, 775), I need to determine where it sits within the table.

For example, if my balance is less than a year, retun "1 year less". If it's greater than the one year, but less than 2, return "1 year old"; if it's greater than 2 years but less than 3, return "2 years old". I need to do this all the way until it's greater than 5 years.

I guess it's an IF statement, but my calculations keep churnin out 2 years, when in fact, we can clearly see it's 3 years (because it's greater than the 2 year value).