<?php

error_reporting(-1);

function getBalanceInFuture($credit, $payment, $commission, $percent, $newAccount ) {
	$credit += $newAccount;
	$paymentTotal = 0;
	for ( $i = 0; $i<= 100; $i++) {
		$credit = ($credit * $percent) + $commission;
		if ($credit >5000)	{
			$credit -= $payment;
		}else{
			$paymentTotal += $credit;
			break;
		}
		$paymentTotal += $payment;
	}
	return $paymentTotal;
}
$credit = 39999;
$payment = 5000;
$homoCredit = getBalanceInFuture($credit, $payment ,500 , 1.04, 0  );
$softBank = getBalanceInFuture($credit, $payment ,1000 , 1.03, 0  );
$strawberryBank = getBalanceInFuture($credit, $payment ,0 , 1.02, 7777  );

echo "$homoCredit\n";
echo "$softBank\n";
echo "$strawberryBank\n";