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JTPAdminJTPAdmin 

Evaluating 2 fields for usage in formula

How would I write the formula to evaluate two fields to determine which fields value to use.
 
For example:
 
If Amount = 0 then (AnnualAmount x (term/12) else (Amount x (term/12))
GraylabGraylab

Here is an example of a field I use:

 

(IF(  ISNULL( {!Bo_Monthly_Income__c} ) ,  {!Borrower_Annual_Income__c} /12 ,  {!Bo_Monthly_Income__c} )) +  {!Borrower_Additional_Income__c}