Calculation Based on Date Criteria

Hello. Before I ask the question, let me explain this. In our country, when we receive traffic fines, if we pay it within 15 days, we receive a 25% discount. If the payment is later than 15 days, we have until 1 month after we are notified to pay the full amount. After 1 month, for each month we don't pay the fine, we get +5% surcharge.

I created a formula that makes this calculation based on the payment date I would enter. However, it's very long and might force the computer unnecessarily when applied to an entire column (we receive about 100 each month, so there is a lot of rows). I attach a sample excel in which I added the formula for you to check it out. I was wondering if there might be a way to simplify it, make it shorter and more practical.