<?php
error_reporting(-1);
function countPrice($percent,$comission,$extra,$creditSum,$payout){
$paid=0;
$credit=$creditSum+$extra;
while($credit!=0){
	$credit=($credit*$percent)+$comission;
	if($credit<$payout) $payout=$credit;
	$credit=$credit-$payout;
	$paid+=$payout;
	}
return $paid;
}

$creditSum=39999;
$payout=5000;
$hmCredit=countPrice(1.04,500,0,$creditSum,$payout);
$softCredit=countPrice(1.03,1000,0,$creditSum,$payout);
$strCredit=countPrice(1.02,0,7777,$creditSum,$payout);
echo <<<_TX
HomoCredit=$hmCredit
SoftBank=$softCredit
StrawberryBank=$strCredit
_TX
;