I have a math code that is giving to me the wrong answer, I check already the order of my code but I cannot see the problem, there is my code

$loan = $_POST[‘t_loan’];

$rate = $_POST[‘rate’];

$monts = $_POST[‘months’];

$f_rate = $rate/100;

$payment = ($loan * ($f_rate / 12)) * (pow((1 + ($f_rate / 12)), $monts) / ((pow((1 + ($f_rate / 12)), $monts)) + 1));

$payment = round($payment);

Print “$payment”;

there is the equation

With a Loan of 18000 rate of 4.9(0.049) and 60 months to pay the result should be a 338 monthly payment but I am getting 41

I really appreciate any help