Mom deposits 20,000 yuan in the bank, deposits and withdraws in lump sum for 3 years, with an annual interest rate of 4.00%, how much is the total amount of principal and interest that mother will get after maturity?
妈妈把20000元钱存入银行，整存整取3年，年利率为4.00%，到期后妈妈得到本金和利息共多少元？
<gadget id="calculator">4 / 100</gadget>
<output>1/25 = around 0.04</output>

<gadget id="calculator">20_000 * (1/25) * 3</gadget>
<output>2_400</output>

<gadget id="calculator">20_000 + 2_400</gadget>
<output>22_400</output>

<result>22_400</result>