<?php
error_reporting(-1);

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

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

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

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

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