How do I figure out the amount needed for retirement. The Net Present Value?

$150,000 Annually 65-95 years old

• Total Cash Inflow $211,617
• Total Cash Outflow $198,333
• Surplus Balance $13,284
• Total Cash and Equivalents $76,950
• Mary Penison Plan $1,266,540
• Mary IRA $159,456
• Robert IRA $34,700
• Mary IRA at 70.5 $286,956
• Robert IRA at 70.5 $267,200
• Mary and Robert Contributions $5,000 each yearly
• Mary and Robert Funeral/Esate Cost $260,000
• Value in 20 years $8,278,401