Every projection relies on assumptions about the future. JettWorth lets you adjust these to match your expectations.
Default assumptions
JettWorth starts with sensible defaults based on long-term Australian averages:
| Assumption | Default | What it means |
|---|---|---|
| Salary growth | 3.0% per year | How fast your income increases annually |
| Inflation | 2.5% per year | How fast your expenses increase (RBA target band) |
| Share market returns | 7.0% per year | Average return on Australian/global shares |
| Property growth | 5.0% per year | Average property value increase |
| Super returns | 7.0% per year | Average super fund returns (balanced option) |
| Cash rate | 4.0% per year | Average savings account return |
| Employer super rate | 11.5% | The current super guarantee percentage |
Adjusting assumptions
Open Projections from the sidebar, then expand the Assumptions panel. Adjust any rate using the sliders or input fields. The chart updates automatically — useful for stress-testing the impact of different return scenarios.
Monte Carlo stress testing (Pro)
Real returns don't follow a straight line. Monte Carlo simulation runs 1,000 scenarios with randomised returns to show you a range of possible outcomes — best case, worst case, and the median.
This helps you understand the uncertainty in your projection and how resilient your plan is to market volatility.
Note: Past performance is not a reliable indicator of future returns. Default assumptions are based on long-term historical averages and may not reflect future conditions.
Tips for setting assumptions
- Be conservative. Better to be pleasantly surprised than caught short.
- Adjust for your situation. High-growth field? Higher salary growth. Conservative investor? Lower returns.
- Use Monte Carlo to stress-test rather than picking one "right" number.