等额本息还款计划表

table.php

<?php
$P = 490000; // 本金
$R = 0.0539 / 12; // 月利率
$N = 120; // 还款期数
$startDate = "2016-2-7";

$timestamp = strtotime($startDate);

$M = round($P * ($R * pow(1 + $R, $N)) / (pow(1 + $R, $N) - 1), 2);
echo "每月还款为 " . $M . " 元\n";

echo "日期\t\t本金\t\t利息\t\t剩余本金\n";
for ($i = 0; $i < $N; $i++) {
    $mt = floor($P * $R * 100) / 100; // 当月利息
    $mp = $M - $mt; // 当月本金
    $P = $P - $mp;
    $mpPad = strlen(number_format($mp, 2)) < 7 ? "\t" : "";
    $mtPad = strlen(number_format($mt, 2)) < 7 ? "\t" : "";
    printf("%s\t%s{$mpPad}\t%s{$mtPad}\t%s\n", date('Y-m-d', $timestamp), number_format($mp, 2), number_format($mt, 2), number_format($P, 2));
    $timestamp = strtotime("+1 month", $timestamp);
}

命令行下使用