Offset accounts
ProjectionLab. No concept of an offset. Cash and mortgage live in separate buckets.
JettWorth. Link any savings account to a mortgage. The offset balance reduces interest charged year-by-year in your projection.
JettWorth vs ProjectionLab
Free forever on the projection engine. No credit card.
AU tax engine
JettWorth
Native
ProjectionLab
Add-on / spreadsheet
Starting price
JettWorth
A$0
ProjectionLab
A$450+ lifetime
Data sources
JettWorth
ATO · APRA · ABS
ProjectionLab
US-centric defaults
Where the gap is widest
Sourced from Money Flamingo’s independent review. Every gap below is one JettWorth closes by default.
ProjectionLab. No concept of an offset. Cash and mortgage live in separate buckets.
JettWorth. Link any savings account to a mortgage. The offset balance reduces interest charged year-by-year in your projection.
ProjectionLab. Rental losses sit on the property. They don't reduce your salary tax bill.
JettWorth. Rental losses offset wage income at your marginal rate, lowering tax payable and freeing cash to invest.
ProjectionLab. Capital gains default to 100% taxable. You manually adjust if you remember.
JettWorth. Holdings of 12+ months get the AU 50% discount applied automatically inside the projection engine.
ProjectionLab. Principal-and-interest only. No way to model the IO period most AU investors run.
JettWorth. Set an IO period (1–10 years), then automatic conversion to P&I. Standard for AU investment loans.
ProjectionLab. Rental income only. No expense modelling, no depreciation, no deductions.
JettWorth. Rent in, configurable expense ratio out. Combined with negative gearing for the real after-tax outcome.
ProjectionLab. Preset yields applied to property value. Often nothing like the Sydney or Melbourne reality.
JettWorth. Enter the actual annual rent on each property. No "average market" assumptions hiding in the chart.
ProjectionLab. One net worth number. Super and accessible savings get blended into a single trajectory.
JettWorth. Separate FI assets (drawable today) from preservation assets (super, locked until 60). Your retire-at-45 number isn't inflated by money you can't touch.
Feature comparison
No marketing fluff — what each tool actually does, with a plain-English note on why it matters.
| Feature | JettWorth | ProjectionLab | Why it matters |
|---|---|---|---|
| FY25-26 income tax brackets | US-only | AU bracket maths, not US federal + state. | |
| Medicare levy + surcharge | 2% baseline plus MLS for high earners with no private cover. | ||
| HECS / HELP indexation | Indexed annually; reduces salary deductions. | ||
| 50% CGT discount on 12+ month holdings | Applied automatically — no manual fiddling. | ||
| Negative gearing offset against wage income | Real after-tax cash flow on rentals. | ||
| LITO (low income tax offset) | Applied silently — no acronym in the UI. |
| Feature | JettWorth | ProjectionLab | Why it matters |
|---|---|---|---|
| Offset accounts linked to loans | Reduces interest charged each year of the projection. | ||
| Interest-only period → P&I conversion | Common structure for AU investment loans. | ||
| State-by-state stamp duty (incl. concessions) | NSW, VIC, QLD, WA, SA, TAS, ACT, NT all modelled. | ||
| LMI calculator | Triggered when LVR > 80%. | ||
| Investment vs primary residence (CGT) | Generic | AU PPOR exemption applied; investment subject to CGT discount. | |
| Per-property actual rent + expense ratio | No "preset yield" handwaving. |
| Feature | JettWorth | ProjectionLab | Why it matters |
|---|---|---|---|
| 10/20/30-year horizon (free) | Limited free | Full horizon on the free tier. | |
| FI vs preservation asset split | Honest retire-early numbers. | ||
| Coast FI / Lean FI / Fat FI targets | Partial | Multiple FIRE definitions side by side. | |
| Configurable safe withdrawal rate | Both let you set SWR. | ||
| Monte Carlo simulation | Pro | 1,000-scenario stress testing on Pro. | |
| Year-by-year report tables | Pro | Drill into every assumption. |
| Feature | JettWorth | ProjectionLab | Why it matters |
|---|---|---|---|
| Multiple what-if plans | Pro | Compare buy-vs-rent, retire-at-45 vs 55, etc. | |
| Side-by-side plan comparison | Pro | See the trade-off in net worth and cash flow. | |
| Life events (career, property, baby, retire) | Event-driven projection rebuilds. | ||
| Global vs plan-specific events | Limited | Real-life events apply everywhere; what-ifs stay scoped. | |
| Anonymous /play demo | Try projections without an account. |
| Feature | JettWorth | ProjectionLab | Why it matters |
|---|---|---|---|
| Free tier with full projection horizon | Limited | Free does the long-term planning. | |
| Pro: monthly billing, cancel anytime | A$9.99/mo | No subscription | No A$450 upfront. |
| Pro: annual billing | A$89.99/yr | A$450+ | Lifetime access vs annual — pick your model. |
| No credit card required for free tier | Trial only | Use the free product as long as you like. |
Honesty over hype. ProjectionLab is a strong product — just not for Australians. If any of these matter more to you than AU tax accuracy, go with ProjectionLab.
We’d rather be the right tool for Australians than a watered-down international tool for everyone.
Free Australian tools
Five free calculators built on the same Australian tax engine — no sign-up, no email capture.
Pricing
ProjectionLab: A$450+ lifetime. JettWorth: free, with Pro for power users.
Get started with the essentials — no credit card required.
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