You are going to see a difference starting with the second time through the loop.
When you use DO UNTIL ( total ge 200) the value of total does not change from the end of one iteration of the loop to the start of the second.
But when you use DO TOTAL=100 to 200 (note that the increment amount will be 1 since it is not specified) the value of TOTAL is increased by 1 at the start of each new iteration.
Year
Total In
Total Out
Total In
Total Out
1
100
103.75
100
103.75
2
103.75
107.6406
104.75
108.6781
3
107.6406
111.6771
109.6781
113.7911
4
111.6771
115.865
114.7911
119.0957
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