Smath is doing something weird - I can replicate your result using Smath, but the same expressions entered into Mathcad Prime work fine.
Drilling down, it is apparent that the complex number is generated by the last term:
[tt]ln(-0.0339/(ln(1-1/n)))[/tt]
Checking the parameters shows that this should yield a real result, but for some reason it throws a complex result.
Bizarrely, if I do simple evaluation of this term, Smath gives a real solution; entering:
[tt]ln(-0.0339/(ln(0.8))) =[/tt]
yields the expected result: [tt]-1.8844[/tt]
However, saving this same expression into a variable, and then outputting the saved result, yields a complex result:
[tt]test := ln(-0.0339/(ln(0.8)))
test =[/tt]
yields a complex solution: [tt]-1.8844 + 3.1416 i[/tt]
Why this is so, I don't have a clue. However, "[tt]3.1416 i[/tt]" looks suspiciously like "[tt]pi i[/tt]", which is surely not a coincidence. I would guess it's some sort of glitch with storing the results of the log of a negative number divided by another negative number.
Hope this might help a little.