<?php
$plafon = 40000000;
$bunga = 11.76;
$bulan = 36;

$effectiverate = 20.8104 / 100;
$effectiverate2 = $effectiverate / 12;

$y1 = $plafon * ($effectiverate / 12);

$x0 = ($bunga / 100) / 12;
$x1 = $plafon / $bulan;
$x2 = $plafon * $x0;
$totalangsuran = ($x1 + $x2);

echo '<br>Angsuran Pokok : ' . number_format(ceil($totalangsuran - $y1));
echo '<br>Angsuran Bunga : ' . number_format($y1, 0);
echo '<br>Total Angsuran : ' . number_format(ceil($x1 + $x2), 0);

echo "<table border='1'><Tr>
<td>Angsuran Ke</td>
<td>Angsuran POkok</td>
<td>Angsuran bunga</td>
<td>Total Angsuran</td>
<td>Sisa Pinjaman pokokx</td>
</tr>
<tr><td colspan=4></td><td>40000000</td></tr>";
for ($i = 1; $i <= 36; $i++) {
    if ($i == 1) {
        $angsuranbungad1 = $y1;
        $angsuranpokokd1 = ceil(($x1 + $x2) - $angsuranbungad1);
        $sisapinjamand1 = ceil(40000000 - $angsuranpokokd1);
    } else {
        $ib = $i - 1;
        ${"angsuranbungad$i"} = ${"sisapinjamand$ib"} * ($effectiverate / 12);
        ${"angsuranpokokd$i"} = ceil(($x1 + $x2)-${"angsuranbungad$i"});
        ${"sisapinjamand$i"} = ceil(${"sisapinjamand$ib"}-${"angsuranpokokd$i"});
    }
    echo "<Tr>";
    if ($i == 1) {
        echo "<td>1</td>
<td>" . number_format($angsuranpokokd1, 0) . "</td>
<td>" . number_format($angsuranbungad1, 0) . "</td>
<td>" . number_format(ceil($x1 + $x2), 0) . "</td>
<td>" . number_format($sisapinjamand1, 0) . "</td>
</tr>";
    } else {
        echo "<td>$i</td>
<td>" . number_format(${"angsuranpokokd$i"}, 0) . "</td>
<td>" . number_format(${"angsuranbungad$i"}, 0) . "</td>
<td>" . number_format(ceil($x1 + $x2), 0) . "</td>
<td>" . number_format(${"sisapinjamand$i"}, 0) . "</td>
</tr>";
    }
}
echo "</table>";