<?php
 
error_reporting(-1);
 
$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;
 
for ($month = 1; $month <= 25; $month ++) {
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment;
	$creditBalance = $creditBalance - $monthlyPayment;
	$paymentTotal = $paymentTotal + $monthlyPayment;
 
	if ($creditBalance < 0) {
		$paymentTotal = $paymentTotal + $creditBalance;
		$creditBalance = 0;
		echo "Кредит погашен за {$month} месяцев, айфон обошёлся в {$paymentTotal} рублей.\n";
		break;
	}
 
	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n";
}

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Айфон в кредит