<?php
 
error_reporting(-1);

function getBalance($creditBalance, $monthlyPayment, $percent, $servicePayment, $paymentTotal) {
 
for ($month = 1; $month <= 20; $month ++) {
 
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment;
 
	if ($creditBalance < $monthlyPayment) {
		$monthlyPayment = $creditBalance;
	}
	$paymentTotal = $paymentTotal + $monthlyPayment;
	$creditBalance -= $monthlyPayment;
    
    if ($creditBalance <= 0) {
          break;
    }
}
return $paymentTotal;
}

$creditBalance = 39999; /* Долг анона перед банком */
$monthlyPayment = 5000; /* Анон платит 5000 р в месяц, это все, что ему дает мама на завтраки */
$homoCreditTotal = getBalance($creditBalance, $monthlyPayment, 1.04, 500, 0);
$softbankTotal = getBalance($creditBalance, $monthlyPayment, 1.03, 1000, 0);
$strawberryBankTotal = getBalance($creditBalance + 7777, $monthlyPayment, 1.02, 0, 0);

echo "homoCredit: {$homoCreditTotal}\n";
echo "softbank: {$softbankTotal}\n";
echo "strawberryBank: {$strawberryBankTotal}\n";