‐$20,000 +10,000/1.09 +10,000/1.09^2 +10,000/1.09^3

$${\mathtt{\,-\,}}{\mathtt{20\,000}}{\mathtt{\,\small\textbf+\,}}{\frac{{\mathtt{10\,000}}}{{\mathtt{1.09}}}}{\mathtt{\,\small\textbf+\,}}{\frac{{\mathtt{10\,000}}}{{{\mathtt{1.09}}}^{{\mathtt{2}}}}}{\mathtt{\,\small\textbf+\,}}{\frac{{\mathtt{10\,000}}}{{{\mathtt{1.09}}}^{{\mathtt{3}}}}} = {\mathtt{5\,312.946\: \!659\: \!881\: \!747\: \!821\: \!9}}$$