pKa(H2CO3) = 6.33
Consider 0.040
H2CO3.

Ka = [HCO3][H3O+]
[H2CO3]
H2CO3 + H2O HCO3 + H3O+
 
Calculating the pH:

pKa and pH are related through the Ka expression
and
the reaction occurring to reach equililbrium.
Enter formulae in these three spaces.

4.68 × 10–7 
=
[H3O+] [H3O+]
0.04

[H3O+] = 1.37 × 10–4
 
pH = 3.86
Substituting from above into Ka expression:
Enter numbers at the left of the = (2 dp).
Enter an ion formula in the numerator.
Enter a number in the denominator.

Note that for a solution in which the concentration of the acid of the pair is much higher than the base of the pair the pH is not only lower than 7 but also lower than pKa for the conjugate pair.