JettWorth's projection engine uses current FY2025-26 Australian tax brackets, Medicare levy rates, HECS indexation rules, and superannuation regulations. The projections are as accurate as the assumptions you set — growth rates, inflation, and salary increases are all configurable.
What's accurate
- Tax calculations — progressive brackets, Medicare, LITO, HECS thresholds, super contribution tax. All match ATO published rates for the current financial year.
- Stamp duty — current published rates for all eight states and territories.
- Negative gearing — applied at your marginal rate, just like the ATO would calculate it.
- CGT discount — 50% discount applied to assets held longer than 12 months.
- Super phases — accumulation vs pension phase tax treatment.
What's an estimate
- Investment returns — based on long-run averages. Real returns will vary.
- Property growth — based on long-run averages. Local market dynamics differ.
- LMI premiums — representative tables; your lender's actual quote may differ.
What's not modelled
No projection can predict the future. Specifically, we don't try to:
- Forecast specific market crashes or booms
- Account for every possible deduction or tax offset (e.g. trust structures, complex fringe benefits)
- Model legislation changes (we update when changes take effect, not in advance)
How to make projections more reliable
- Use the Monte Carlo stress test (Pro) to see a range of outcomes instead of one line
- Adjust assumptions to match your actual situation (sector, risk tolerance)
- Update snapshots monthly so projections start from current numbers
- Add real life events (career changes, property purchases) instead of leaving everything implicit
Note: They're planning tools, not guarantees. A licensed financial adviser can stress-test your plan against your specific goals and constraints.