Perhaps your calculator doesn't do 1.054^10 ?

On a very basic calculator you can evaluate this using just the square key, ^2

1.054^10 = (((1.054^2)^2 )^2 ) x (1.054^2)   👌

Use a calculator to find 1.045^10 and then multiply that answer by 82000.

(Your answer should be slightly over 127,400.)