Jessica is saving up to make a down payment on a new car. She currently has $1990.00 in a saving plans that pays interest at the end of every month an interest rate of 3% compounded monthly; however she needs at least $5000 for the down payment. If Jessica can save $144.00 at the end of every month, then the number of months it will take her to accumulate $5000 is_______________________ (What??)

I'm using a regular financial calculator, and would like to understand the steps to take to calculate this using a formula. Thanks in advance!