I believe it was already mentioned in other threads:
calc(){ awk "BEGIN { print "$*" }"; }
then you can simply type :
calc 7.5/3.2
2.34375
In your case it will be:
x=20; y=3;
calc $x/$y
or if you prefer, add this as a separate script and make it available in $PATH so you will always have it in your local shell:
#!/bin/bash
calc(){ awk "BEGIN { print $* }"; }