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Hi @chewbaKa‌ , are you referring to the calculation of FV for annuity due?
In case you are, there are 2 approaches to this:
1. To use the BGN, and do your calculation as though it’s a normal FV calculation (non annuity due):
Steps to switch between BGN and END
• Press [2ND] [BGN] to display the BGN/END worksheet. (Resetting the unit sets this to END, not BGN.)
• Press [2ND] [SET] to change to beginning-of-period payments. BGN is displayed.
• Press [2ND] [SET] again to return the setting to end-of-period payments. END is displayed.
• Press [2ND] [QUIT] to exit.
2. To multiply the non-annuity due’s FV by the rate for the period.
For example:
N = 10; Rate = 9%
After computing the FV, you just multiply FV by 1.09 to get the FV for annuity due.
My preferred method as it’s much quicker.