Xiao Ming's grandfather deposits 20,000 yuan in the bank, deposits and withdraws for three years, and calculates the annual interest rate at 3.34%. How much will the principal and interest total after three years?
小明的爷爷将20000元钱存入银行，整存整取三年，年利率按3.34%计算，三年后本金和利息共有多少元？
<gadget id="calculator">3.34 / 100</gadget>
<output>0.0334</output>

<gadget id="calculator">20_000 * 0.0334 * 3</gadget>
<output>2_004</output>

<gadget id="calculator">20_000 + 2_004</gadget>
<output>22_004</output>

<result>22_004</result>