Future Value (Annuity Due) – fv Calculator



Welcome to the Serrari Future Value Annuity Due Calculator

See how regular investments can grow over time! Our Future Value Annuity Due Calculator helps you find out the total value of a series of payments when each payment is made at the beginning of every period — perfect for savings plans, rent, or advance investments.

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How It Works

The calculator uses the annuity due formula:
FV = P × [(1 + r/n)^(n × t) – 1] × (1 + r/n) ÷ (r/n)

Where:

• FV is the future value (total amount after all payments).
  
• P is the regular payment amount.
  
• r is the annual interest rate (in decimal form).
  
• n is the number of compounding periods per year.
  
• t is the number of years.

Because payments are made at the beginning of each period, each payment earns an extra round of interest — helping your money grow faster than ordinary annuities.

Example

If you invest KES 5,000 per month for 5 years at an annual interest rate of 8%, compounded monthly:

FV = 5,000 × [(1 + 0.08/12)^(12 × 5) – 1] × (1 + 0.08/12) ÷ (0.08/12)
FV ≈ KES 367,442

That means after 5 years, your total investment will be KES 300,000 and your interest earned will be about KES 67,442.

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Parameters Explained

• Regular Payment Amount: The amount you deposit or invest at the beginning of each period.
• Annual Interest Rate (%): The yearly rate your investment earns.
• Payment Frequency: How often you make payments. Choose between monthly, quarterly, semi-annually, annually, weekly, or bi-weekly.
• Number of Years: The total time period you’ll keep making payments.

Results Explained

• Future Value: The total amount your investment will grow to by the end of the period.
• Total Invested: The total money you’ve contributed over time.
• Interest Earned: The total amount gained from interest.
• Total Number of Payments: How many payments you’ve made in total.
• Return on Investment: The percentage growth of your investment over the entire period.

Try It Out

Enter your payment details, interest rate, and time period, then click Calculate.
You’ll instantly see how much your regular investments can grow — and how powerful consistent saving can be with the Serrari Future Value Annuity Due Calculator.

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