Interest earned on education savings is not taxable. Mom saved 10,000 yuan for Xiaodong's three-year education savings, with an annual interest rate of 3.24%. How much is the total amount of principal and interest that can be withdrawn from the bank after maturity?
教育储蓄所得利息是不要纳税．妈妈为小东存了1万元三年教育储蓄，年利率是3.24%．到期后可以从银行取回本金和利息一共多少元？
<gadget id="calculator">3.24 / 100</gadget>
<output>0.0324</output>

<gadget id="calculator">10_000 * 0.0324 * 3</gadget>
<output>972</output>

<gadget id="calculator">10_000 + 972</gadget>
<output>10_972</output>

<result>10_972</result>