Question 1148519
This is P=Prin*[(i)(1+i)^48]/[(1+i)^48-1]
where i=.05/12 and P=31000
round at the end for $713.91

calculator (.05/12), add to 1, raise to 48th power and multiply by (.05/12)
denominator is the value raised to the 48th power minus 1
take that quotient and multiply by 31000.