Phase 2·Life in Australia

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?

📋 Documents

Filters

Topic

Subtopics — Documents

Articles in Documents

9 articlesof 34 articles

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.

Read article
14 min·

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.

Read article
20 min·

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.

Read article
18 min·

SkillSelect: Rounds History 2020–2025

In October 2020 the government issued 30 invitations. In December 2022, 35,000 in one month. The full story and what the data says about the future.

Read article
18 min·

You Already Insure Without Realising It

How the frequency × severity matrix explains decisions you already make every day — and why this matters for immigrants in Australia.

Read article
11 min·

4 migration pathways: which is yours?

Skilled visa, study, work or indirect pathways: the four migration strategies, how to measure your risk, and how to boost your PR chances.

Read article
8 min·

Immigration: stay in control of your decisions

Two solid pieces of advice, two valid paths — but neither was ideal. What one couple's story teaches about migration planning.

Read article
8 min·

Medicare in Australia: access and enrolment

Guide to Australian Medicare: who has access by visa, how to enrol through myGov, what's covered, what's not, and when you need private cover.

Read article
11 min·

Points for PR: Australia Calculator 2026

Find your real score for the 189/190/491 visa in under 2 minutes. See which factors count most and what to do to close the gap.

Read article

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.

Residents, non-residents and Working Holiday visa
Medicare Levy and superannuation included
Hourly, weekly, fortnightly, monthly or annual
Calculate my pay

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 tool

Invoice Generator (ABN)

Generate an invoice ready to send to your client, with or without GST — right in your browser, no sign-up.

Open generator

Medicare Levy Surcharge Calculator

Find out if you owe the Medicare Levy Surcharge and how much — with or without private hospital cover.

Open calculator

Not sure where to start?

Take the assessment and discover your profile, strengths and next steps.

Assess your readiness