Xiaohua's mother plans to deposit 20,000 yuan in the bank for 3 years. If the annual interest rate is 3.69%, how much is Xiaohua's mother's actual principal and interest when it matures? (additional interest tax 10%)
小花妈妈打算将20000元定期存入银行3年，如果按年利率3.69%计算，到期时小花妈妈实际的本息共有多少元？(另记利息税10%)
<gadget id="calculator">3.69 / 100</gadget>
<output>0.0369</output>

<gadget id="calculator">10 / 100</gadget>
<output>1/10 = around 0.1</output>

<gadget id="calculator">1 - (1/10)</gadget>
<output>9/10 = around 0.9</output>

<gadget id="calculator">20_000 * 0.0369 * 3 * (9/10)</gadget>
<output>1_992.6</output>

<gadget id="calculator">20_000 + 1_992.6</gadget>
<output>21_992.6</output>

<result>21_992.6</result>