Here is the website I used:
https://www.mathsisfun.com/numbers/sigma-calculator.html
In reality, I THINK we may still not have QUITE the correct answer...I think the first year the payment is 2400 then the NEXT year it goes up 4 percent etc etc
so it would be
\( \sum_{0}^{39}\)2400(1.04)^n = 228061.24 But that is not what I was asked.......