Xiaohua deposits 400 yuan in the bank and withdraws it in lump sum for three years. If the annual interest rate is 3.96%, how much yuan will he get the principal and after-tax interest when it matures?
小华将400元钱存入银行，整存整取三年，若年利率是3.96%，到期时，他可以得到本金和税后利息共多少元？
<gadget id="calculator">3.96 / 100</gadget>
<output>0.0396</output>

<gadget id="calculator">20 / 100</gadget>
<output>1/5 = around 0.2</output>

<gadget id="calculator">1 - (1/5)</gadget>
<output>4/5 = around 0.8</output>

<gadget id="calculator">400 * 0.0396 * 3 * (4/5)</gadget>
<output>38.016</output>

<gadget id="calculator">400 + 38.016</gadget>
<output>438.016</output>

<result>438.016</result>