[iamjustin]

That's a good point.

It's frustrating that the people making these calculators don't state how many working individuals makes up one household. One of the problems I'm seeing in these comments is that some of us are talking about individual income, and some household/family income.

[jack-r-abbit]

Or for that matter, how many non-working individuals are in the household. A couple making $200K/yr is going to be far better off financially with 0 kids than with 3 kids.