Income Stream Calculator Kenya — Value Any Payment Series
Enter a recurring payment amount, choose the frequency, set a discount rate and duration. We’ll show you what that entire income stream is worth in today’s shillings.
What’s Your Income Stream Worth Today?
Find the present value of any recurring payment — step by step.
Serrari provides educational tools — we are not financial advisors. Results are estimates based on the inputs you provide.
How the Income Stream Formula Works
Present Value
Payment
Periodic Rate
Total Payments
The present value of an annuity formula discounts every future payment back to today and adds them up. Each later payment is worth less because you lose more potential investment time. The factor [(1 − (1 + r)−n) / r] is the annuity factor — multiply it by the payment to get the present value.
For monthly payments, divide the annual rate by 12 and multiply the years by 12 to get the periodic rate and total number of payments. The higher the discount rate or the longer the duration, the lower each future payment is worth today. This principle underpins bond pricing, lease valuation, and pension calculations across Kenya and globally. Compare with a single future amount using the Present Value Calculator.
Discount Rates by Investment Vehicle in Kenya (2026)
Use these rates as your discount rate depending on where you would invest today.
| Product | Typical Rate | Risk Level | Liquidity |
|---|---|---|---|
| Money Market Funds | 8 – 12% | Low | Next-day |
| Unit Trusts (Balanced) | 10 – 15% | Medium | 3–5 days |
| Treasury Bills | 14 – 17% | Very low | 91–364 days |
| Treasury Bonds | 12 – 14% | Very low | 2–25 years |
| Fixed Deposits | 6 – 10% | Low | 3–12 months |
| SACCO Savings | 8 – 14% | Medium | Varies |
| Equity Fund (Unit Trust) | 12 – 18% | High | 3–5 days |
Present Value of Common Income Streams in Kenya
What regular payment streams are worth today at different rates and durations.
| Payment | Frequency | Duration | Rate | Present Value |
|---|---|---|---|---|
| KES 10,000 | Monthly | 3 years | 10% | KES 309,912 |
| KES 10,000 | Monthly | 5 years | 10% | KES 470,654 |
| KES 25,000 | Monthly | 5 years | 10% | KES 1,176,634 |
| KES 50,000 | Quarterly | 5 years | 12% | KES 743,874 |
| KES 100,000 | Annually | 10 years | 10% | KES 614,457 |
| KES 50,000 | Monthly | 20 years | 9% | KES 5,557,248 |
Want to see a single future amount instead? Try the Present Value Calculator
Income Stream Calculator Kenya — FAQ
What is the present value of an income stream?+
How do you calculate the present value of an annuity?+
What discount rate should I use to value an income stream in Kenya?+
What is the difference between an annuity and a lump sum present value?+
How does payment frequency affect the present value?+
Can I use this calculator to value rental income or pension payments?+
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