Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Simply click on one of the general financial topics below and you'll find a selection of easy-to-use calculators about related financial topics.

These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.

Retirement Savings 

Are you saving enough for retirement?

401(k) Retirement Income 

Estimate retirement income from my 401(k)

Cost of Long-Term Care 

What is the cost of long-term care?


Shams Merchant is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AL, CA (CA Insurance License #0I16891), FL, GA, and TX. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Shams Merchant is licensed and authorized to offer insurance in California, but SHAMS FINANCIAL GROUP may not be. For additional information on California licensure status, please click here.

Shams Merchant is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 6606 Kingspointe Pkwy, Orlando, FL, 32819, 407-590-0980. In this regard, this communication is strictly intended for individuals residing in the state of Florida. No offers may be made or accepted from any resident outside the specific state referenced.

SHAMS FINANCIAL GROUP is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither SHAMS FINANCIAL GROUP nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​