SettleAU official site - settleau.com.au

SettleAU: free tools for life in Australia

SettleAU helps migrants and locals calculate tax, estimate Centrelink payments, compare visa pathways, check Medicare options, and plan the first months in Australia.

Explore SettleAU Tools

23 free tools · 73 guides · No signup required.

Sydney Harbour with Opera House and city skyline representing life in Australia

SettleAU quick links

Free Australian calculators, visa tools and settling-in guides

Start with the most used SettleAU pages for tax, Centrelink, visas, Medicare and your first weeks in Australia.

All Free Tools Browse every SettleAU calculator, finder and planner. Centrelink Calculator Estimate FTB, Parental Leave Pay and visa-based eligibility. PR Points Calculator Check skilled visa points for 189, 190 and 491 pathways. Visa Pathway Comparison Compare Australian visa routes, costs and timelines. Medicare Comparison Compare Medicare, private health and common visa scenarios. Bank Account Comparison Compare Australian bank accounts for new arrivals.

Free Australian tools by topic: tax, visas, Medicare, family + settling-in

Five pillars covering money, visas, health, family, and settling in to life in Australia.

Money & Tax

Tax calculators, Centrelink payments, rent budgets

4 tools available

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Visas & Immigration

Visa pathways, NARWP countdowns, points calculators

2 tools available

Health & Medicare

Medicare eligibility, bulk billing doctors, health insurance

2 tools available

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Family & Kids

Baby costs, school finder, childcare subsidies

3 tools available

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Settling In

Bank comparison, cost of living, phone plans, suburb safety

4 tools available

Start with the SettleAU Centrelink calculator

Estimate Australian family payments and visa-based eligibility in under 60 seconds.

Open Centrelink Calculator

Migration & tax guides for Australia

Fresh guides on visas, money, health, family and settling in.

Health

OVHC vs OSHC: Health Insurance for Temporary Visa Holders Compared (2026)

OVHC vs OSHC compared: who needs which, what they cover, costs, and the best providers for temporary visa holders, students, and working holiday makers in Australia.

Money & Tax

How to Open an Australian Bank Account from Overseas (Before You Arrive)

Open an Australian bank account from overseas before you arrive: which banks let you open online, what documents you need, comparison of CBA, ANZ, NAB, Westpac, ING and Up.

Money & Tax

Superannuation for New Migrants: How Australia's Retirement System Works

Complete guide to superannuation for new arrivals: what it is, how the 12% employer contribution works, choosing a fund, what happens if you leave Australia, and tax-effective strategies.

Settling In

How to Convert Your Overseas Driver Licence in Australia (2026 Guide)

Step-by-step guide to converting your overseas driver licence in Australia: which licences swap automatically, which require a test, state-by-state rules, and how long the process takes.

Settling In

Renting in Australia for the First Time: Bond, References, and Inspections

Everything new arrivals need to know about renting in Australia: how the bond works, building a rental application without local references, what happens at inspections, and how to win competitive properties.

Money & Tax

Australian Tax File Number (TFN): How to Apply as a New Migrant

Step-by-step guide to applying for an Australian TFN as a new migrant: what it is, who needs one, how to apply online, processing time, and what happens if you don't have one when you start work.

Health

Bulk Billing Doctors: How to Find One in Australia (2026 Guide)

What bulk billing means, who's eligible, how to find a bulk-billing GP near you in 2026, and what to do when no clinic in your area still offers it.

Visas

189 vs 190 Visa: Which Skilled Migration Pathway Should You Choose?

Side-by-side comparison of the 189 (Independent) and 190 (State Nominated) skilled migration visas — points, eligibility, processing times, work obligations, and how to choose.

Health