Phase 2 of 3
You're already here. What do you need now?
Guides for those already settled in Australia who want to make the most of it.
Where are you right now?
Series
Tourism in Australia
Australia is a continent, not a city — here's how to plan your trip: when to go, which regions to visit, and how much it costs.
Essential articles
35 articlesThe real map of Australia's PR places: where the 132,000 spots actually are
The 189 has 16,900 places. Employer Sponsored has 44,000. Understand the full map of PR pathways — 2024-25 data and cutoffs updated with the June 2026 round.
OSHC: why couples pay up to 4x more than two singles in Australia — the logic behind the difference
A real quote shows couples pay 4x the combined price of two individual OSHC plans, with exactly the same coverage. Understand why this happens in OSHC (and why it's different for standard health insurance).
Genuine Student: why Australia is rejecting more student visas
Understand the Genuine Student requirement, what immigration officers assess in practice, which profiles face higher refusal risk, and how to strengthen your application.
Tax return in Australia: income, deductions and Medicare Levy for TFN workers
Complete step-by-step guide to lodging your tax return in myTax: verifying income, valid deductions (uniform, home office, transport), Medicare Levy Exemption and final checklist.
EOI on SkillSelect: when submitting early pays off — and when it doesn't
SkillSelect's tie-break rewards those who enter the pool early. But submitting without simulating your realistic points ceiling can be a costly mistake. Understand the logic and how to decide.
The professions Australia's visa stops inviting — and the ones that never stopped
IT and accounting went from 65 points in 2022 to disappearing from invitations in 2025. Other professions appear in every round with stable scores. What 3 years of data reveal — and what they don't.
Tools
Net Pay Calculator
How much do you actually take home in Australia? Calculate your net pay including income tax, Medicare Levy and superannuation for your visa type.
Financial Planning
The spreadsheet already comes with reference values for 7 Australian cities and detailed cost categories — download it as-is to use directly in Excel, or open the interactive tool to fill in the fields and see charts, a 52-week projection and scenario comparison live. When you're done, export to Excel with your own numbers already in it.
Retirement (Super) Projection
Simulate how much your superannuation could be worth in the future — with compound growth and the effect of contributing beyond the employer minimum. Live result, with a chart comparing both scenarios.
Open interactive toolInvoice Generator (ABN)
Generate an invoice ready to send to your client, with or without GST — right in your browser, no sign-up.
Open generatorMedicare Levy Surcharge Calculator
Find out if you owe the Medicare Levy Surcharge and how much — with or without private hospital cover.
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