The calculators usually account for inflation (and also for a percentage rate of return on the lumpsum you have saved), you would answer "How much income will

The calculators usually account for inflation (and also for a percentage rate of return on the lumpsum you have saved), you would answer "How much income will you need in retirement?" with today's value of a $ (eg. if $80k a year would be enough for this year if you retired today)