simple retirement calculator function

retirement.php

function retirement($salary, $years=30, $raise=1.029655){
	$total = 0;
	$data = array();
	$format = '%=*(#10.2n';
	setlocale(LC_MONETARY, 'en_US');
	for($i=1;$i<=$years;$i++){
		$salary = $salary*$raise;
		$data[$i] = money_format($format, $salary);
		$total = $total + $salary;
	}
	$data['total'] = money_format($format, $total);
	return $data;
}