Calculate fiscal year based on today's date

For the life of me, I can't figure out how to calculate the current fiscal year (e.g., 2021) based on today's date.

For context, I have customers whose fiscal years begin in different months. Based on today's date (dynamically changes), I need to calculate their current fiscal year.

For example, if their fiscal year begins in January, based on today's date (Aug. 26, 2021), they are in 2021. If their year begins in October, they are also in 2021 (as of today's date).

If you look at the attached doc, my formula is flawed and doesn't reflect this. Please help!