<?php

error_reporting(-1);
	
function getBalance($percent, $commission) {
	$paymentTotal=0;
	$creditSum=39999;
	$payout=5000;
	
	for($month=0;$month<=20;$month++){
			$creditSum=$creditSum*$percent+$commission;
	
		if($creditSum<$payout) {
			$paymentTotal+=$creditSum;
			$creditSum=0;
			break;
		}
		else{
		 $creditSum-=$payout;
		  $paymentTotal+=$payout;
		}	
	}
	return $paymentTotal;
	}
	$homoCreditTotal=getBalance(1.04, 500);
	$softBankTotal=getBalance(1.03, 1000);
	$strawberryBankTotal=getBalance(1.02, 0) + 7777;
	
	echo "homoCredit: {$homoCreditTotal} руб.\n";
	echo "softBank: {$softBankTotal} руб.\n";
	echo "strawberryBank: {$strawberryBankTotal} руб.\n";