Are you assuming the deposits are made at the end of the year ($3784.74) or the beginning of the years (3728.81)
it makes a difference in how it is calculated as you can see......
IF made at BEGINNING of year, use:
F= A (((1+ i)^(n+1) -1 ) / i )-1) i=interest in decimal (.015) n= years(5) A = annual deposits F= 19,500
You CAN brute force it
19500 = A ( 1.015^5 +1.015^4 + 1.015^3 +1.015^2 + 1.015) Then solve for A = 3728.81