Your future long-term care needs total $415,391. You have available assets of $0. To self-insure you will need to save $27,609 per year increasing at 0.0%, or, you can set aside a lump sum of $213,452 today and let it accumulate interest until needed. Alternatively, you could consider purchasing a long-term care insurance policy to cover the potential future expenses. <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Long-Term Care Resources/Needs' xAxisName='Year' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='1' /><category label='' /><category label='3' /><category label='' /><category label='5' /><category label='' /><category label='7' /><category label='' /><category label='9' /><category label='' /><category label='11' /><category label='' /><category label='13' /></categories><dataset seriesName='Available Capital'><set value='0.0' /><set value='29332.0' /><set value='60494.0' /><set value='93601.0' /><set value='128774.0' /><set value='166141.0' /><set value='205841.0' /><set value='248017.0' /><set value='292825.0' /><set value='340429.0' /><set value='391004.0' /><set value='272625.0' /><set value='142576.0' /></dataset><dataset seriesName='LTC Need'><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='0.0' /><set value='134392.0' /><set value='138423.0' /><set value='142576.0' /></dataset></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Year</th><th scope="col">Beginning Capital</th><th scope="col">Annual Savings</th><th scope="col">LTC Need</th><th scope="col">Net Captital</th><th scope="col">After-Tax Interest</th><th scope="col">Ending Capital</th></tr><tr><td role="rowheader" scope="row">1</td><td>$0</td><td>$27,609</td><td>$0</td><td>$27,609</td><td>$1,723</td><td>$29,332</td></tr><tr><td role="rowheader" scope="row">2</td><td>29,332</td><td>27,609</td><td>0</td><td>56,941</td><td>3,553</td><td>60,494</td></tr><tr><td role="rowheader" scope="row">3</td><td>60,494</td><td>27,609</td><td>0</td><td>88,103</td><td>5,498</td><td>93,601</td></tr><tr><td role="rowheader" scope="row">4</td><td>93,601</td><td>27,609</td><td>0</td><td>121,210</td><td>7,564</td><td>128,774</td></tr><tr><td role="rowheader" scope="row">5</td><td>128,774</td><td>27,609</td><td>0</td><td>156,383</td><td>9,758</td><td>166,141</td></tr><tr><td role="rowheader" scope="row">6</td><td>166,141</td><td>27,609</td><td>0</td><td>193,750</td><td>12,090</td><td>205,841</td></tr><tr><td role="rowheader" scope="row">7</td><td>205,841</td><td>27,609</td><td>0</td><td>233,450</td><td>14,567</td><td>248,017</td></tr><tr><td role="rowheader" scope="row">8</td><td>248,017</td><td>27,609</td><td>0</td><td>275,626</td><td>17,199</td><td>292,825</td></tr><tr><td role="rowheader" scope="row">9</td><td>292,825</td><td>27,609</td><td>0</td><td>320,434</td><td>19,995</td><td>340,429</td></tr><tr><td role="rowheader" scope="row">10</td><td>340,429</td><td>27,609</td><td>0</td><td>368,039</td><td>22,966</td><td>391,004</td></tr><tr><td role="rowheader" scope="row">11</td><td>391,004</td><td>0</td><td>134,392</td><td>256,613</td><td>16,013</td><td>272,625</td></tr><tr><td role="rowheader" scope="row">12</td><td>272,625</td><td>0</td><td>138,423</td><td>134,202</td><td>8,374</td><td>142,576</td></tr><tr><td role="rowheader" scope="row">13</td><td>142,576</td><td>0</td><td>142,576</td><td>-0</td><td>-0</td><td>-0</td></tr></table>