Your fixed expenses are $1,763.25/month. You saved 6 months' worth for an emergency fund in a savings account earning a 4.5% APR over 3 years. After 3 years, you withdrew $4,360.00 because of losing your job. What is your balance after the withdrawal?

$1,763.25 X 6 = $10,579.50 

$10,579.50 X 1.045^3 = $12,072.97  

$12,072.97 - $4,360.00 = $7,712.97  

The balance after the withdrawal is $7,712.97  

Interest lost in one month is: 

$4,360.00 X 4.5% / 12 = $16.35