Dad deposited a three-year education savings fund for Xiaohua, with an annual interest rate of 5.4%. After the maturity, he received a total of 23,240 yuan in principal and interest. How much is the principal of the education savings fund that Dad saved for Xiaohua?
爸爸为小华存了三年期的教育储蓄基金，年利率为5.4%，到期后共领了本金和利息23240元，爸爸为小华存的教育储蓄基金的本金是多少钱？
<gadget id="calculator">5.4 / 100</gadget>
<output>0.054</output>

<gadget id="calculator">0.054 * 3</gadget>
<output>0.162</output>

<gadget id="calculator">1 + 0.162</gadget>
<output>1.162</output>

<gadget id="calculator">23_240 / 1.162</gadget>
<output>20_000</output>

<result>20_000</result>