Welcome to the Serrari Future Value Ordinary Annuity Calculator

Want to know how much your regular investments will be worth in the future? Our Future Value Ordinary Annuity Calculator helps you estimate how your money grows when you make equal payments at the end of each period — ideal for savings, retirement planning, or investment contributions.

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How It Works

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

Where:

• FV = Future Value (the total amount your investment will grow to)
• P = Regular Payment Amount
• r = Annual Interest Rate (in decimal form)
• n = Number of compounding periods per year
• t = Number of years

In an ordinary annuity, each payment is made at the end of the period, meaning it earns one period less of interest than an annuity due. This is common in savings plans, retirement contributions, or loan repayments.

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] ÷ (0.08/12)
FV ≈ KES 366,000

That means your total invested amount is KES 300,000, and your interest earned is about KES 66,000.

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Parameters Explained

• Regular Payment Amount: The fixed amount you contribute at the end of each period.
  
• Annual Interest Rate (%): The yearly growth rate or return on your investment.
  
• Payment Frequency: How often you make payments. You can choose monthly, quarterly, semi-annually, annually, weekly, or bi-weekly.
  
• Number of Years: The total duration you plan to make payments.

Results Explained

• Future Value: The total value of your investment at the end of the period.
  
• Total Invested: The total amount of money you’ve contributed.
  
• Interest Earned: The total amount gained through interest over time.
  
• Total Number of Payments: The number of individual payments made throughout the term.
  
• Return on Investment: The overall growth percentage of your investment.

Try It Out

Enter your payment details, interest rate, and time period, then click Calculate.
The Serrari Future Value Ordinary Annuity Calculator instantly shows you how much your regular end-of-period investments can grow — helping you plan smarter and reach your financial goals faster.

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