$re = '/(.{1,22})(?:,|$)/m';
$str = 'test1,test2,test3,test4,test5
test1,test2,test3,test4,test5,test1,test2,test3,test4,test5,test6
';
$subst = "$1\n";
$result = preg_replace($re, $subst, $str);
echo "The result of the substitution is ".$result;
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php