Added Savings Solver / Alternative Scenarios - How is "How much will you need" values calculated?
This number would be the amount of investments you would need in your accounts TODAY to fund all of your retirement, excluding any pensions or social security or cash infusions. It is the "ultimate pessimist" number... assumes the government cancels Social Security, your Pension is defunct and taken away, and any Cash Infusions never occur.
The more useful numbers are the added savings calculations as those look only at the red shortfalls on the retirement graph and pull them back to the retirement age to determine a lumpsum needed to fund them. Then the annual savings values are calculated to determine how much MORE you will need to save up through retirement. These amounts can also be found by simply iterating by hand changing contribution values on main screen until you "get the red out" through the age you want.