<?php
error_reporting(-1);

function HomoCredit($creditSum, $payout){
$totalPayout =0;
	for(;;){
		$creditSum = ($creditSum*1.04)+500;
		if ($creditSum<=5000) {
				$totalPayout = $totalPayout  + $creditSum;
				break;
			}
		$creditSum = $creditSum - $payout; 
		$totalPayout = $totalPayout  + $payout;
	}
	return $totalPayout;
}

function Softbank($creditSum, $payout){
$totalPayout =0;
	for(;;){
		$creditSum = ($creditSum*1.03)+1000;
		if ($creditSum<=5000) {
				$totalPayout = $totalPayout  + $creditSum;
				break;
			}
		$creditSum = $creditSum - $payout; 
		$totalPayout = $totalPayout  + $payout;
	}
	return $totalPayout;
}

function StrawberryBank ($creditSum, $payout){
$totalPayout =0;
	for(;;){
		$creditSum = ($creditSum*1.02);
		if ($creditSum<=5000) {
				$totalPayout = $totalPayout  + $creditSum + 7777;
				break;
			}
		$creditSum = $creditSum - $payout; 
		$totalPayout = $totalPayout  + $payout;
	}
	return $totalPayout;
}

$creditSum = 39999;
$payout = 5000;
$HomoCreditTotal =  HomoCredit($creditSum, $payout);
$SoftbankTotal = Softbank($creditSum, $payout);
$StrawberryBankTotal = StrawberryBank($creditSum, $payout);

echo "1 - {$HomoCreditTotal}\n";
echo "2 - {$SoftbankTotal}\n";
echo "3 - {$StrawberryBankTotal}\n";