/**
 *
 * @param timestamp $timestamp
 * @param int $amount number of days to go ahead
 * @param int $limit give as hours when day ends and is considered as next day
 * @return timestamp
 */
function get_bank_days($timestamp, $amount, $limit=0)
{
        if($limit && date("H", $timestamp) > $limit)
                $timestamp = strtotime("+1 days", $timestamp);

        for($j=0; $j<$amount; $j++)
        {
                if(date("N", $timestamp) >= 6) // skip saturday & sunday
                        $timestamp = strtotime("next Monday", $timestamp);
                $timestamp = strtotime("+1 days", $timestamp);
        }

        if(date("N", $timestamp) >= 6) // skip saturday & sunday
                $timestamp = strtotime("next Monday", $timestamp);

        return $timestamp;
}

// testata voi tällä:
/*
setlocale(LC_TIME, "fi_FI");

for($i=0; $i<365; $i++)
{
        $tms = strtotime("+$i days", strtotime("2009-01-01 14:00"));

        $payday = get_bank_days($tms, 2, 16);

        echo strftime("%d.%m.%Y (%A)", $tms) ." => maksupäivä: ". strftime("%d.%m.%Y (%A)", $payday) ."<br />\n";
}
*/