Xiao Ming, who is in the sixth grade, deposited his lucky money of 3,000 yuan in the bank. The deposit method is current demand, and the monthly interest rate is 0.36%. However, he has only saved it for 9 months and is about to take it out to go to a key middle school. Please do the math for him. How much is the total amount of principal and interest obtained?
读六年级的小明把自己的压岁钱3000元存入银行，存款方式是活期，月利率是0.36%，但只存了9个月就要取出去上重点中学了，请你帮他算一算可以取得本金和利息一共多少元？
<gadget id="calculator">0.36 / 100</gadget>
<output>0.0036</output>

<gadget id="calculator">3_000 * 0.0036 * 9</gadget>
<output>97.2</output>

<gadget id="calculator">3_000 + 97.2</gadget>
<output>3_097.2</output>

<result>3_097.2</result>