Yesterday, Uncle Zhang deposited 20,000 yuan in the bank for three years, with an annual interest rate of 4.5%. After deducting the 5% interest tax, how much can Uncle Zhang get back at maturity?
昨天张叔叔把20000元存入银行，定期三年，年利率是4.5%，扣除5%的利息税后，张叔叔到期可以取回多少元？
<gadget id="calculator">4.5 / 100</gadget>
<output>0.045</output>

<gadget id="calculator">5 / 100</gadget>
<output>1/20 = around 0.05</output>

<gadget id="calculator">1 - (1/20)</gadget>
<output>19/20 = around 0.95</output>

<gadget id="calculator">20_000 * 0.045 * 3 * (19/20)</gadget>
<output>2_565</output>

<gadget id="calculator">20_000 + 2_565</gadget>
<output>22_565</output>

<result>22_565</result>