i see it there are two ways this could go down.
most of us pay around 20-30% in income tax and around the same in cs, depending on how many kids we have.
this is definitely one of those situations where less is more.
if you earn more, and have more kids you will get less.
if you earn less and have less kids, you will get more.
i then did an experiment with what i consider to be a worst case scenario.
when i say worst case i do not believe that any amount of income (top tax bracket), or quantity of kids (top cs rate) could make this much worse than what i have 